Grüezi ,
I’m a bit lost with taxes + car situation here in Switzerland and wanted to hear some real opinions.
I earn around 92.4k a year, living in Eschenbach SG. Officially my workplace is nearby, but my boss has a few practices and I’m actually working most of the time in another one, like 4 days a week. The problem is getting there with ÖV takes easily 50+ minutes one way, connections are not great either… honestly bit mühsam 😅
My boss is really nice (mega korrekt tbh) and sometimes lets me use the company car, but that’s not a long-term solution, so I’m thinking about buying my own car. Budget would be around 10k CHF. I checked financing options and since I’ve been in Switzerland less than 3 years, I’m getting offers around 9% interest… finds ich ehrlich gesagt recht viel 😅
At the same time, I’m planning to do a Weiterbildung (CAS) next year which will cost around 5k CHF.
So now I’m wondering what makes more sense:
stay on Quellensteuer (easy, kei Stress) or switch to normal taxation (NOV) and try to deduct stuff like Weiterbildung, commuting (probably by car), and maybe loan interest?
I’m not sure if the deductions really make a big Unterschied or if it’s am Schluss meh Aufwand for nothing…
Also curious what you guys would do about the car — würdet ihr so en Kredit mit 9% neh oder lieber no chli spare?
Would really appreciate any advice or experiences 🙏 merci vielmal!