Have you thought of a Tagesmutter? On your salary, the Baselland rate is 10 Chf an hour per child (or at least it was last year when I used one). Reduced rates can apply for lower salary brackets but I would not think you qualify for this. It is more flexible in that you pay for when the children are there - thus getting around the fact that at full time daycare you pay for the day whether or not your children are there from 8am.
Still, your best bet to reduce the childcare would be to try to consolidate your working hours better so that you can have - say a day or two a week when no childcare is required.
And the 3 year old will be in school in 18 months/2 years - so a Tagesmutter is a great resource for care around the short school hours.
Link to the price and tarif information for using a Tagesmutter in the Oberere Baselbiet area of Baselland (this is the area I live in which is why I have this information but it is useful for information purposes)
3 kids under 3? I would seriously consider living across the border in France. Yes, you will most likely need a car, but child care is affordable and with 3 kids, you won't pay much tax either.
Agree with this statement, ecole maternelle for children who are dry, is free. Also you could employ the services of an Assistant Maternelle, as I do when I work.
Plenty of villages that are near the border, certainly something to consider.
So.. if 150,000chf is a great salary for a family(shared income) then how about 70,000chf gross for a family..? I am taking a job in Zug and have 2 children and husbad(not working)... Is the tax around 15% or 20% (including deductions at source) for me.??
Can we LIVE here in Cham, or will we be existing?? Is 70,000chf a good salary for a family of four?
Please help.. we dont eat out or have expensive tastes.. but want to join in fun things!.. Can we do it.. comfortably?
It's not a good salary, it's a little above average earnings, it's about the same as earning £35k in the UK, living inside the M25. Nothing special, not sure it's worth moving here for that.