Quote:
Originally Posted by kick2dante
fixed my post
Originally Posted by kick2dante View Post
$550 for rent (in 6 year old building sadly)
$200 utilities
$300 for food
$50 visa
$400 entertainment
$100 transpo
$200 miscellaneous
pooter you dont need to spend 40k a month to get a comfortable apartment
Ok let's look at your budget.
$550/24,500PHP for rent
Ok I can buy this, although I think it's a little on the low side. You keep harping on the fact that I said most buildings in this price range would be 6-10+ years old. If you read carefully, you will notice that I don't say it's a bad thing, but that this should be expected. Maintenance is not great in Manila, and many expats, especially women, will care about this. You obviously don't, but don't expect that everybody is like you either.
$200 for utilities
This is also ok, although I think this is probably the one place where you can cut down. I don't see a normal person using 9,000 in electricity and water a month, especially for a smaller studio-like unit. I'd probably say this is closer to $150.
$300 for food
This has a serious problem. You are allocating $10 usd a day for food, or roughly $3.33/148PHP a meal. You can't even buy a quarter pounder meal for this price. Forget about coffee as well, a Starbucks frappuccino will also blow past your single meal budget. I guess you could skip lunch to buy a 120PHP latte, but I hope you're not lactose intolerant because that's going to cost you 20 PHP more. This tight of a meal budget means that you basically will be eating the most unhealthy food possible unless you cook practically every meal in. That's not comfortable expat living in my book.
Taking a date to a moderate, mid range restaurant, like Outback, Chilis, or even Shakey's is going to obliterate your entire daily food budget .. maybe you can fit that into your entertainment budget? Let's see...
$50 for visa
Yup, if you go to immigration and handle it, this is a very reasonable even generous budget. No assistance of lawyers though, you better handle it yourself, otherwise you should double this amount. I will state that legal advice is not necessary, but for expats, sometimes they don't wish to go line up themselves.
$400 for entertainment
That's about $100 a week, so if you go out twice a week, this should be ok to cover your bills for some drinking, singing, dancing, etc, whatever you like to do. However, you aren't likely going to be hanging out at Republiq, Prive, Hyve, or any of the more fashionable nightspots, which is ok, but you also can scratch out going to any but the cheapest saunas, forget about KTVs, and you can forget about diving, surfing, golf, or any other recreational activity that involves a little travelling on weekends.
Not unreasonable, but a typical for manila movie date is going to run you .. cheap 1000, expensive 2000 PHP ... tickets, dinner, coffee/drinks.
$100 for transpo
I sure hope you don't have to travel for work, and that all expats are stay at home poker players who never leave the house. This is $3.33 a day ... you can't take taxis unless it's extremely close by, and you cannot transfer between too many transport modes because it will add up.
You definitely do not drive or have a car/driver, and you cannot take taxis. So basically your example of comfortable expat living is taking buses, trikes, jeepneys, and mrt. This is not New York or Hong Kong, Manila does not have an advanced modern mass transport system, so you can expect to take forever to get somewhere, and be sweaty and grimy by the time you get there. Again, not comfortable expat living in my book.
For those who don't know, flag down for taxis are ~$1/40PHP, and the rate increases rapidly, so a typical trip, say Makati to Resortsworld is going to cost you 150PHP or so (I may be underestimating this, but its close or lower than the reality)
$200 for misc
Ok, into this misc, you have to fit ... clothing budget, electronics, washing your clothes, shaving, washing, vitamins, etc, basically everything you did not mention... no problem. Let's both assume you need the basics, ie, soap, shampoo, lotion, shaving cream, razors, toilet paper, etc etc... Don't forget your phone bills, internet load, and other misc stuff you definitely use.
This is probably a good estimate of what you will spend on these items. If you do not, then I'm really going to have to believe you have only one or two change of clothes and wear old ratty shoes. I could break it down further, but if you don't spend around this amount, this is somewhat disgusting.
WHAT YOU DIDN'T INCLUDE OR PROBABLY DIDN'T BOTHER TO THINK ABOUT
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Health and dental insurance ... damn me if I'm wrong, but most expats would care that they have health and dental insurance. What was that? Oh you're healthy, so you don't need to bother with that? =)
Gym and Fitness ... your diet is probably horrible given your budget, so you probably should enroll in a gym, that should cost you, oh .. Fitness First would be about 2,400 PHP, although you might be able to find a cheaper local gym, sure why not. Perhaps you don't bother with the gym or fitness entirely, understandable, but many expats want this.
Gifts ... I guess moving to another country means you totally forget about your parents, siblings, friends, and other people who you celebrate birthdays, anniversaries, holidays, special occasions etc. So no budget for that, got it.
Contingencies ... life never goes as planned. You have nothing in your budget for these times. And I'm not talking about some major medical or family emergency. I'm talking about the girl you asked on a date showing up at your intended dinner/movie with her chaperone friend (common in Manila), and you have to pay for her ticket. I'm assuming from all your posts that you'd protest and argue and send her friend away, correct me if I'm wrong .. but most people, even locals, don't do that.
When I say comfortable expat life, I mean you can go through life without sweating all the small things ... given your budget, you would be sweating when your date decides that Jollibee is not her taste and she wants to go to Burger King. Heck, you even bother to complain that you get charged for 3 kg of laundry instead of 1 kg.
We all have different levels of comfortable, and while you think I'm blowing things up, you are doing the exact opposite. To live on your budget, a person who is accustomed to Western life has to:
Give up health and dental insurance
Not enroll in a gym, class, or other activity
Give up coffee, or at least Starbucks/Seattles Best
Have a food budget of $3.33 / meal
Forget about travelling out of town to the beach/resort (unless you live on the beach)
Try not to take taxis, because it's too expensive, so use jeepneys and trikes
Don't buy anybody anything ever
Hope to God you don't fall ill or get into any accidents
You could perhaps Rob Peter to Pay Paul, but you obviously going to have to give up some of the most basic expat needs I can think of.
Your life is doable, but this is not comfortable expat living, it's surviving. YMMV, so stop trying to convince otherwise. I'm convinced you are happy on your 50-80k spend a month .. good for you.