Same in Switzerland, as long as you: don't live in or near large cities, or nowhere near the French or Italian speaking areas, or not in higher tax Kantons and you never do activities in Switzerland itself but travel abroad to spend less on holiday and even groceries.

Easy!

Beside that I full agree on negociating everything, 2-3 times per years you have deal on mobile subscription and fixed internet that are at least 50% below normal prices and if you ask to quit, you often get a call for a deal to convince you to stay, which you can also negociate (hundred if not thousand of saving per year), you can also negociate non-mandatory insurances.

If you heat with a gas tank you can also fill it up when it's cheaper.