{"id":4618,"date":"2025-09-16T20:48:12","date_gmt":"2025-09-16T18:48:12","guid":{"rendered":"https:\/\/clanq.ch\/familienbudget-umfrage\/"},"modified":"2025-09-16T21:01:31","modified_gmt":"2025-09-16T19:01:31","slug":"family-budget-survey","status":"publish","type":"post","link":"https:\/\/clanq.ch\/en\/family-budget-survey\/","title":{"rendered":"Family budget: Yes or no?"},"content":{"rendered":"

How do parents keep track of all these expenses? We wanted to find out more and asked Swiss parents. The answers to our qualitative online questionnaire reveal that every family has its own strategy, ranging from \u00abno budget, we do it by feel\u00bb to using Excel spreadsheets and setting clear savings goals.<\/span><\/p>\n

Around half of parents have drawn up a budget<\/b><\/h2>\n

Around half of the respondents did not have a family budget at the time of the survey in summer 2025. Some were planning to set one up soon, while others thought they could manage well without one. The reasons ranged from a lack of time to uncertainty about how best to draw up a budget.<\/span><\/p>\n

How to create a family budget!<\/span><\/a><\/p>\n

The other half already works with a budget. 46\u00a0% of them only update it when necessary, and 54\u00a0% use an Excel spreadsheet they have created themselves. Whether simple or detailed, the main thing is that it fits in with everyday life.<\/span><\/p>\n

Here are tips on how to monitor your budget.<\/span><\/a><\/p>\n

The biggest challenges<\/b><\/h2>\n

Many parents report that the rising cost of living is a real burden. Unforeseen expenses also make planning difficult. One interviewee with two children (aged 10 and 12) said:<\/span><\/p>\n

\u00abMeeting all the needs of every member of the family is difficult. Where do we save, and where are we prepared to invest money?\u00bb<\/span><\/p>\n

That’s why it makes sense to build a small nest egg into the budget \u2013 for repairs, medical expenses or other surprises.<\/span><\/p>\n

However, saving is also high on the list of frequently mentioned challenges. \u00abSaving enough money for the children’s pensions and education worries me,\u00bb says one parent of three children (aged 8, 11 and 13).<\/span><\/p>\n

Good to know: This is what a child costs<\/span><\/a><\/p>\n

Don’t put off saving until later<\/b><\/h2>\n

Is what I can save today enough for my children’s education or provision? One thing is certain: Many people underestimate how much even small amounts can add up to. 50\u00a0CHF per month adds up to over 10\u2019000\u00a0CHF after 18 years \u2013 and significantly more with interest.<\/span><\/p>\n

That’s why it’s better to start small than not at all. It’s the many small steps that make a big difference over the years.<\/span><\/p>\n

Family budget is a support<\/b><\/h2>\n

Our survey shows that there is no one right way. The important thing is that the budget suits the family \u2013 whether in the traditional way on paper, in Excel or with an app. In the end, it’s not about restrictions, but about clarity about which dreams can be realised and which will have to wait a little longer.<\/span><\/p>\n

Once you’ve got started and know your budget, it’s easier to make decisions \u2013 and that’s a great support with all the many decisions that parents have to make every day anyway.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Results of our qualitative survey<\/p>\n","protected":false},"author":2,"featured_media":5820,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-4618","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en"],"acf":[],"yoast_head":"\nFamily budget: Yes or no? | Clanq Blog<\/title>\n<meta name=\"description\" content=\"How do parents keep track of all the expenses? 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