cost of living in usa very high

[robertlower]

i memphis tn,usa it not cold here ,but i can only buget like 250 for my power gas and water and trask pick up is anther 40 a month,food is not cheap herewe buy the cheaps we find ,it has to last a month,i retite 5 years ago on just 514 a month,not engh money to paid for everything and have money left for your pets,could not do it on just 514,last year i hit so i get my ss,and 624 a month,never have any month before,so the 624 is just ex month to me now,i paid the back taxs on this house they next year saving the money to moving to philippines,girls if you stay to see a 62 or older guy on,talk to him,he may want to move to your counrty but know nothing above it,talk him above your counrty,i on philippine dating i get over 150 emails in the frist month
ESTIMATED COST OF LIVING IN CEBU CITY, PHILIPPINES

A partially edited post from a list member, Evan Guilders, below: Every new member asks how much is enough to live on. Dedicated members seem to get tired of the question. Yes, it's been answered a thousand times. I myself asked it. So did many of you. I've made 6 trips to the Philippines, and every one was a learning experience. My longest stay was a month. I've read every article, and website on living in the Philippines. I personally am moving to Cebu in February. The plane tickets are purchased. I know that new members sign up every day, so here's my 2 cents on how much is enough. 50% is based on personal experience, the other 50% is based on friends and family living there. My brother who is in the military, was stationed there for 6 years. He provided security for the embassy. He has been a wealth of knowledge.

So, How much do you need? My fiancee and I will have $1450 a month to live on. Most people have less than that. Some people have more. You do not need this much to live on. I'm going to speak to those of you on $800 a month or less. First let's pretend all you have is $800 a month coming in.

Rent can be as cheap or expensive as you'd like it to be. I've seen places for $85 dollars a month. I've also seen places for $2000 a month. I'll say this. You need to plan on spending $200 a month on rent. For that price you can get a nice 2 bedroom in Cebu. You can easily spend more or less, but it depends on your tastes. Mine are simple. I don't want to live in a dump, but I don't need marble counter tops either. That leaves us with $600. Now you know you need/want a maid. Even if you don't, I'm telling you to get one.

According to my brother, a good maid will actually not only make your life easier, but will save you money. Here's how. My brothers maid often go into town to pick up grocery and household items, that my brother needed. He would give her lists. She knew where to go and where not to go. She knew where to get the best prices on everything. I mean after all, wouldn't you know where to get the most for your money in your own hometown? You know which grocery gives you the most for your money. So does the average Filipino. I'll give you an example. My brother wanted to get a king-size bed.

He found one for sale, and thought it was a good deal. He was set to buy it, when his maid found out. She told him it was too much. He asked her if she knew about a better deal. She took him to a local man she knew in town, that deals in bedroom furniture. She negotiated for my brother.

In the end he got a nice king-size bed for $80 less, than he was going to pay. My brother put an extra $10 bucks bonus in his maids pay that month. He told me she has saved him money on a lot of stuff. Even a charted fishing trip he took. She hooked him up with a local fisherman, and he paid about half the going rate. He also caught a bunch of nice fish. Now how much does a maid cost? Well you can get a live in maid for $30 a month. If you don't like live in, you can find daily service for less. If your maid lives in, your usually responsible for her food as well. You've got a maid and rent. That leaves us $570 left. Now you need utilities. Water and garbage, along with electric will cost you no more than $200 a month. This includes air conditioning (used mildly), washer and a dryer. If you have no aircon, you can expect to pay about $80 a month less for electric. My numbers are average. I personally cannot live without Air Conditioning. That $200 covers, electric, water, and garbage easily. In fact it is actually an over estimate, but it's better to over estimate, than to underestimate. So that leaves us with $370. Now if your reading this, you'll want Internet. There are several options available to you.

First, there are numerous internet cafe's all over Cebu and most major city's. They vary on prices, but my brother told me a good shop with decent high speed connections is about a dollar an hour. Some are less, some a little more, but not much more. If you want it in your home, you can get prepaid cards. They are your cheapest and best bet for internet. The cards are everywhere, and allow you to hook up cheaply. I however need a faster connection. A cable modem will cost you about $51 dollars a month. They give you 75 hours of use between 8am and 8pm

However after 8pm its unlimited. Kind of like a cell phone plan in the U.S. Also cable modem is not available in all areas. There are there options available as well, but too many to list here. A friend of my brothers did use Star band. Its high speed internet pumped in through your satellite dish. I don't know much about it. If you get the cable modem, that leaves you with $319. Add cable to your TV, and it costs about $9 a month extra. were at $310. You'll want a phone with service, and that's $20 a month for basic service. Your long distance is not included in that price. So after telephone, that leaves us with $290 bucks. Now you'll need food. My estimates for food are always high. (keep that in mind). If you eat and cook at home you'll only spend about $150 a month. That's for 2 people. You can spend more or less. A typical meal out costs about 4-5 dollars a person. For $12 a person you can eat at a high end restaurant. I'm talking class. Of course there are many places here where $2 will get you an all-u-can-eat meal. It's true. However if your like most people, you'll probably eat out only once or twice a week. That leaves us with $140 a month. Let's cover misc. toilet paper, toothpaste, soap, etc. I'd say about $20 a month for Misc. leaves you with $120. Now one thing I didn't mention was transportation. You can use local jeepneys and trikes, for taxi service. Expect to spend around $20 a month for this service. This again is a high estimate. My brother actually spent around $12 a month for transport. For special trips, to Manila, my brother hired a car and driver for $22 for 12 hours. He later found out through his maid, that he could of gotten a car and driver for around $16 for 12 hours. He didn't consult his maid and he paid too much. So after you take out taxi service, that leaves us with $100. Now we've covered:

Rent/Utilities/transport/food/cable/internet/phone/misc. I think we've covered everything. Now let me say that some of my estimates were high. you can easily rent a place for $150 a month, and drop that expensive cable/internet service. Use prepaid internet cards. Use fans instead of air-conditioning. If you cut all that excess out, you can end up with $200 or more left over at the end of the month.

Of course at the other extreme, you could spend another $1000 a month, and get a 5 bedroom house, live in driver, live in gardener, 2 maids, 2 helpers, eat steaks and seafood 3 times a week, etc. You see where I'm going with this don't you? It depends on your tastes. A frugal person can make it on $600 a month. A high maintenance person might need $1500 a month.

What SOLID advice can I give you? It is my "personal opinion" please note this is my opinion, and mine alone: I would not come to the Philippines with less that $600 a month income. I recommend $5000 in the bank for emergencies. I know that's a lot for some people, but keep at least $2000 in the bank if nothing else.(5000 is better). I would never go with less than $2000 in the bank. NEVER, EVER. I say this because you need enough for deposits on your apartment there, and misc. furniture, etc. In the U.S. you know when you move into a new place, it always costs you for deposits, and to have stuff turned on. It's no different in the Philippines. If nothing else, at least you'll always have enough for an emergency plane ticket back home.

What else can I tell you?? Well I can say, get your personal finances in order before moving to the Philippines. If you leave outstanding debts unpaid in the states, it will catch up to you. Make sure you have 10 copies of everything important. (passports, birth certificate, etc.) I'm not joking, keep copies of everything, in a secure place. Give copies to your family, so in the event of an emergency, they can send them or fax them to you. Make sure you have someone to receive your mail here in the U.S. or use a service to forward it to you in the Philippines. I've set up all my bills here in the U.S. to be paid by my bank automatically every month. I only pay $4 a month for this service. Of course I can bank online from anywhere in the world. So that allows me to check monthly statements, etc. A bank debit card with the visa logo on it, is accepted everywhere. I can access my funds from an ATM in the Philippines, and just as easily pay bills online with it. Like my brother says, with a visa debit card and a laptop, we can conduct business anywhere in the world. (well, almost anywhere) Well I'm sure I left something out, but hopefully you know what things cost now. Electronics are more expensive, but you can still get a nice used computer for around $400. A movie will cost you $1 video game cartridges around $1-2 dollars.

My goal here is to show you that you can live on $600 a month, if your on a fixed income. You can live comfortable on $800 a month, and for $1000 plus, you won't be doing without. No matter what your income you can do it. I recommend you come here and stay in a cheap motel for a couple of weeks while you look over the area. Allow yourself time to find a place to live. I personally, will live for a month to 2 months in a hotel with my fiancee, while exploring places to live. We are not going to jump on the first thing that comes along. We will take our sweet time. Of course you know what they say: To Each His Own!

[jadegil6]

One expense that is not taken into account in this illustration is the visa fees. A tourist visa requires renewal every 58 days, and that fee is about 3300 pesos plus the travel costs needed to get to a Bureau of Immigration office. And a visitor visa requires that the foreigner must leave the country for at least one day per year, and that requires travel costs to and from some other country.

[tom]

One expense that is not taken into account in this illustration is the visa fees. A tourist visa requires renewal every 58 days, and that fee is about 3300 pesos plus the travel costs needed to get to a Bureau of Immigration office. And a visitor visa requires that the foreigner must leave the country for at least one day per year, and that requires travel costs to and from some other country.

hmmm, does that mean if i chose to re-locate to the philippines i'd be required to pay a "foreigner tax" (around $75.00 USD?) every 58 days??... or, is there a different arrangement for "foreigners" who want to live there for longer periods of time??

[jadegil6]

When a foreigner goes to the Philippines, they are givern a 21 day visa upom entry as a tourist. Then if they wish to stay beyond that, they must apply for an extension. The first extension is good for an additional 38 days for a total time of 59 days, and that extension costs 3300 php. Additional extensions can be obtained for periods of 60 days each, and these extensions require fees to be paid. I am not positive about the cost of the 60 day extensions. Maybe someone who reads this post, and who has had some experience in extending visas as a tourist, can add to this thread.

There are different visas available for foreigners.
If a foreigner is married to a filipina citizen, then they can get a spousal visa. There are 2 or 3 different types of those. And there are also other different types of visas such as student and investor.

If a foreigner is single, then they can get a Special Retiree Resident Visa (SRRV). The rules for this type of visa are:
(A cash deposit into a Philippine bank is required)
1.With Pension - 50 years old and above - the required time deposit is US$10,000.00 plus a monthly pension of US$800.00 for a single applicant and US$1,000 for couple.
2.Without Pension
1.) 35 to 49 years old - US$50,000.00 time deposit
2.) 50 years old and above - US$20,000.00 time deposit
3.) Former Filipino Citizens (at least 35 years old, regardless of the number of dependents - US$1,500.00)

Foreigners holding temporary visitors visa pursuant to Philippine Immigration Act of 1940 and aliens admitted under E.O. 408 may extend their stay in the Philippines every 2 months for a total stay of 16 months. Extension of stay after16 months, up to 24 months need the approval of the Chief of the Immigration Regulation Division. Extension of stay after 24 months need the approval of the Commissioner.
All applicants for extension are required to dress properly. Applicants wearing shorts, sandos, and slippers will not be allowed entry to Immigration Office.

[jadegil6]

This is from a guy who is in the Philippines right now:
Concerning the first 59 day extension after the initial 21 day-38 dayextension....

the fee after 21 days going to 59 days was 3,030 peso,
then the first full 59 day extension is 7,463peso

[HappyDave]

The SRRV, just one of the joys of growing old. Trust me though, there ain't a lot of other joys to growing old.

Stairs fight back.
Friends call me "Grumpy"
Eyeglasses get thicker.
Young girls get prettier
Cops look like they are 6th Graders.
At least 23 trips to the loo daily, is mandatory.
Knees get fat and swollen.
Ankles hurt.
Feet get cold.
Friends call me "Grumpy," yes I know I added that twice.
Hills get steeper.
Cold gets colder.

Need I go on?

[Edwin]

I enjoyed your list, HappyDave! There is a lot of humor there, and some truth as well! I have one ongoing concern with my growing prostate gland, but everything works great, and I am able to drink a lot of water and get rid of it without any discomfort. My 2004 TURP procedure left me with no bad side effects, and I am better than I was before except I may have problems coming, but I face them when that time comes. If I need another TURP I'm confident the Lord will be with me, and the doctor will do a good job. If I don't need it that will make me even happier. I have a lot to be thankful for. My back has been working fine for some time now, and I hope it keeps doing that way. I hurt a knee while moving a few years ago, but it recovered and gained strength without the need for doctor's care. I am able to walk 6.5 miles every day without troubles of any kind. I am 66 years old, and I take no medications for anything. I have no physical problems that call for medications, and I am thankful to the Lord for that. If I needed medications I would be thankful for the medications that they would help me, but if I had my choice I would rather have it as it is, in that I feel well and have no need for medications. The eye doctor told me that I have the beginnings of cataracts, and that doesn't make me really happy, but I see well enough for now anyway, and I am not bad enough for cataract surgery. I have been out in the sun a lot during my life, and it may be the sun light that has started that I don't know. Anyway they want to check it once a year, and I guess that is a good thing. I am thankful for the good health the Lord has given me. If my health would fail I would be thankful to the Lord for helping me even in failing health.

[HappyDave]

Hey Edwin,

I have been lucky with good health too, just the body parts are starting to show signs of wear and tear. I did a lot of racing, cars, motorcycles and boats. Little by little they all took their toll in various ways. Broken bones, sprains, rips and tears etc. I am now in the "pay later" phase of the "Race now, pay later" adage. Not complaining life has and still is a hoot. I still ride off road bikes faster than I should but hey, I gotta keep that Adrenaline level topped up.

Funny you mention about the Prostate, I was in with a the doc a few weeks back and she asked if I wanted the PSA test and I said "nope, don't need to know." her comment was, "a very large number of men in the US die WITH Prostate issues they didn't know they had, but very few of them die OF Prostate issues." Sounds good to me.

[Edwin]

Yes, HappyDave, I would have gone the same route as you if I had not had severe problems. My brother-in-law who is now dying of cancer, told me that he begged me to get the PSA test, but at that time I didn't have severe enough problem to care about it, and he didn't know of any problems that he had. That all came later. Yes, my older brother spent years training horses, riding in rodeos, riding in the suicide Omak Stampede down the hill and across the river, and I think he is paying for it now. Of course he is 75 years old too. I over stress my back sometimes, and I have a problem that will crop up if I over do it, and I think many people experience that. Sometimes I don't even know what I did to bring on back pain. But I try to be reasonably careful with what I do, but I go ahead and do what I want and what I need to regardless of what it might do to me, but I don't knowingly hurt myself!