Nach dem letzten Jahr möchte ich noch einmal meine detaillierte finanzielle Aufschlüsselung für 2024 teilen (Details in den Kommentaren).

After posting my 2023 expenses exactly 1 year ago, [Watson made an article about me](https://www.watson.ch/schweiz/wirtschaft/797391139-redditor-zeigt-seine-finanzen-so-viel-hat-er-in-diesem-jahr-ausgegeben)! (You can see my username mentioned in the Watson article)

I have since deleted the post but you can find it [here](https://imgur.com/GrYvDj4).

I have changed my visualisation a bit and explicitly show the shared expenses with my fiancée for more clarity.

* I still work the same job as last time (IT consulting & application developer) and live in the same apartment we moved to in March last year.
* We live in a 75 sqm apartment 30 minutes outside Zurich.
* We split all shared expenses proportional to our income. The shared “Overflow / Surplus” exists because we contribute a fixed amount per month, so we have a buffer in the account to account for monthly variations in our spending.
* The “Shared Account” category includes all expenses we pay through the shared account.
* => All sub-categories under “shared account” are for 2 people! So the 19.8k in rent is the full amount. My contribution to that is around 65%
* Income Tax is an estimate. Will only know the exact amounts next march. I’m confident I’m within ~10% of the final number. No, I don’t live in Zug.
* My employer pays for a yearly first class public transport card for the whole of Switzerland. I don’t have to pay any income tax on this because I sometimes need it for work. This accounts for 99% of my transportation costs.
* My employer pays me a monthly “food allowance” which I also don’t need to pay income taxes on.
* The “presents” category is unusually large this year, as it includes an engagement ring.
* Yes, I spend a lot of money on books.
* “Other Hobbies” also includes any personal electronics and fun activities like concerts.
* “Subscriptions” is mostly half of a subscription to “The Economist”. So no frivolous streaming subscriptions or anything…
* I save around 35% of my total (pre-tax) compensation and around 40% of my post-tax income.