Living In The Philippines Forum

Contributions By Members => Living Costs in different areas, cities, provinces => Topic started by: rm86 on March 15, 2011, 01:41:06 AM

Title: 2011 Philippines monthly living expenses
Post by: rm86 on March 15, 2011, 01:41:06 AM
Hi folks,

I\'ve seen information stating that it\'s possible to live - albeit quite simply - on $600 per month in the Philippines. I\'ve also seen posts stating that $1000 is the recommended bare minimum. There\'s some conflict between the information, whether out of date or due to variation based on location, so I\'m going to use this post to attempt to work out my own, up to date, 2011 living costs to cover 1 months living expenses for 2 people.

We\'re both fairly low maintenance. I\'m a vegetarian (in Philippines of all places, lol) - and yep, that excludes fish and chicken (had a hard time trying to explain that on vacation) however, I may be willing to adjust my diet to comply with the country and culture. I\'m a slim guy, not a big eater and not the type to indulge in expensive food - I could live with rice and noodles with some fruit and veg thrown in (my idea of a culinary treat is cheese on toast and a bottle of beer)!

As a Brit, I\'ll be working out the numbers in £GBP. My ideal budget is no more than £500 per month for everything.

Expectations

The most important requirements for me are comfort and security. I don\'t neccessarily need or want to be in a gated community, I\'m fine with living alongside the locals - that\'s part of the reason I was drawn here, after all - because of the people and culture. By the same token, I\'d rather be in a \'better off\' area of Philippines where crime and poverty were lower. Preferably as few \'ipis\' as possible

No maids etc. are taken into this equation, I\'m not the type of guy who would feel the need for the services of a maid - Partly for budgeting reasons and partly because I like to do things for myself (shopping, cleaning etc.) - However, some guys swear by them and have mentioned it saves them time and money in the long run. But for now, I\'ll leave maid services off the list.

So, here\'s what I\'ve come up with:

Monthly Outgoings

Rent

Had a quick check of Sulit.ph and this was one of the most recent listings. Seems like it would do the trick, so I\'ll use it as my example rented apartment. Possibly lower price w/ some research (saw some 4,000 peso / month properties), but this will do for now.

6,000 Pesos / £85 per month

For rent: BNEW condo unit. studio type. 30 sqm. with flooring cabinet kitchen and sink. with toilet and fixtures READY TO MOVE IN! location: Commonwealth QC near Sandigan bayan. 15 min away from EDSA, UP, Trinoma mall. accesible to public transpo markets and schools. P6000/ month inclusive of dues. minimum 6 months stay. 1 month advance. 2 months deposit. max of 4 persons. 09178582585

http://www.sulit.com.ph/index.php/view+classifieds/id/2836216/BRANDNEW+CONDO+UNIT+FOR+RENT?referralKeywords=rent+bayan

Groceries: Food & Drink

Estimating 2500 pesos / £35 per week for basic food and drink. Maybe off the mark here. I was looking for an online food shopping site in the Philippines for an idea of prices but couldn\'t find anything.

Groceries: Cigarettes & Beer

I was buying a pack of 20 cigarettes for 40 pesos in Makati - that\'s about 50 pence per 20 pack (By comparison it\'s almost £6 for a 20 pack here). 20 cigarettes (give or take) per day at 50p per pack is roughly £15 per month.

I picked up some Red Horse from a sari-sari store for 30 pesos for a standard sized bottle (67 pesos for a large bottle). I like an evening beer or two, so I\'ll say 90 pesos / £1.30 per day for beer = £40 per month. Though that seems more expensive than I\'d like, so I\'d adjust and aim for a £20 per month beer budget.

Internet & Telephone

http://smart.com.ph/bro/products/postpaid/smartbroplan999unlimited.htm

1,000 pesos per month / £15. Any outgoing calls abroad would be made using Skype or YM. I don\'t use my home telephone here in the UK, other than for my internet connection, so I can\'t imagine needing a telephone in the Philippines.

Electricity

Estimate: 2000 pesos / £30 per month

I\'ve spoken to a few people about this, but would like some more input. I\'ll be using the computer a lot for work. I\'d also imagine the TV will be in use quite often as well. Not entirely sure if I\'d want air conditioning or if I\'d rather just pick up an electric fan.

Monthly Cost
Rent - £85
Groceries - £140
Cigarettes & Beer - £35
Internet - £15
Electricity - £30


Total: £320 per month so far. Going to round that up to £350 just for the sake of it, which makes it around 25,000 pesos per month.


This doesn\'t include a clothing budget, travel expenses, dining out, disco, miscellaneous purchases. Just the costs of the basics. Rent, groceries, electric and internet.

If anyone would be willing to look over this and provide some input that\'d be great and much appreciated.
Title: Re: 2011 Philippines monthly living expenses
Post by: c_a_p_t_a_i_n_r_o_n on March 15, 2011, 02:15:59 AM
Rent - OK

Groceries - push it up to P3000 - as a veggie - shop at local barangay market - the farmers bring local produce in twice a week to our local market -

Beer - Get directly from a brewery - I don\'t know about Red Horse but my San Mig Dry is about P20/bottle when ordered by the crate (24) - but I\'d guess no more than P30/bottle for RH ordered in volume - and they deliver to the door  ;D and take the empty bottles and crates away

Internet and phone Double that - you forgot 2 cell phone monthly costs
 
Electricity Make that P3000 and you should be fine, how will you cook, electric/gas/bbq?

Transport?  Staying home will pale pretty quickly - I\'d figure a mini of P1,000 - personally I walk a kilometer or so but any further than that and it\'s a trike job - but I\'m 62

Dining out - I know a great little place that costs me about P1000-1200 for 5 of us......so around P200/head includes drinks and desert.....let your gf guide you

£400 - P28,000 looks more realistic to me
Title: Re: 2011 Philippines monthly living expenses
Post by: on March 15, 2011, 02:44:02 AM
6000 a month for a new condo, can\'t be bad, even though it is a touch on the small side.

You might find you need ear plugs at night, with condos on all sides, as I can almost assure you you\'ll have some noisy neighbours, or at least people who have different ideas about what are acceptable times of the night to ruin good songs with their karaoke systems.   ;D

You can live to your sort of budget, but what will you do with yourself all day and night? I\'ve done it myself before, when I was in Thailand, money ran out, no future looked in sight, and I was surviving easily on a $10 a day. But that was in Phuket, right by the beach, so the whole day could be spent swimming, sunbathing, eating dirt cheap local food, wandering around sipping soda in bars etc.

What will you do in Quezon to stop yourself crawling up the walls? Working hard at living cheap is fun for a while, but it grows old real quick.

When you call about the condo, get your girl to do the talking or you might find the price magically rises when they hear a Kano on t\'other end of the phone.  ;)



Title: Re: 2011 Philippines monthly living expenses
Post by: rm86 on March 15, 2011, 02:44:56 AM
Great, cheers Ron - still looks good - anything under £500 is great -the further under, the better  :D


Good call on the beer! Forgot about San Mig Light :o

Cell phone - Thinking I can go without one, but the gf will need hers so I\'ll take that into consideration. Then again, I\'ll probably need one for keeping in touch w/ her if & when needed. Would go for cheapest option. Just wondering if I\'ll need a phone line for the internet connection?

For cooking at home, depending on what the apartment offered it\'d probably be gas / electric cooking.

Budget constraints mean I probably wouldn\'t want a car there - not sure I could even handle driving in PI. So, like you, Ron, transport costs would mostly consist of fares for getting to & from the shops.

Dining out - I\'ll let budget dictate that, would be done on the cheap, p200 each sounds great!

Can you say which part of Philippines you\'re in, Ron?

Cheers for the info
Title: Re: 2011 Philippines monthly living expenses
Post by: rm86 on March 15, 2011, 03:01:12 AM
Heya King,

That\'s something I wonder all the time - what\'ll happen if / when the money runs out. But then again I think the same about my future here in the UK.

Not too long ago, it dawned on me, like a revelation; \"Hey, I don\'t have to be stuck here in Britain, working hard and... not living cheap!\" So that set things in motion. I had a look around, thought about joining a friend of mine who moved over to Oz to work in a diamond mine, but ruled that out - seemed too much like Britain. Eventually decided on Asia, originally Thailand, then after some more research, the Philippines.

It can be daunting to think about how to maintain an income in the Philippines - \'course I don\'t have any pension or other income that\'d keep me afloat, so it\'s all down to my own ability to make things happen. Luckily, I\'m not an idle guy. I\'m sure as I grow accustomed to the country and lifestyle, I\'ll become more aware of how things work and how to make things happen. The only benefit of being penniless in UK compared to penniless in PI is that the government would maybe help me out. Even then, it\'s a game of constantly jumping through hoops and scraping by, trying to rebuild and being back to square one.

Essentially, I want to enjoy myself, do something a bit different, be happy. I don\'t want to wake up to freezing cold mornings and make stale sandwhiches, break my back for 9 hours a day, 5-6 days a week and at the end of the month only have enough cash to cover rent and food. I grow more and more disheartened with this country each day, and at the moment, anywhere but here would be great!

Rambled a bit, but basically - I\'ll try to keep myself sane and occupied!
Title: Re: 2011 Philippines monthly living expenses
Post by: c_a_p_t_a_i_n_r_o_n on March 15, 2011, 05:11:25 AM
Great, cheers Ron - still looks good - anything under £500 is great -the further under, the better  :D

Good call on the beer! Forgot about San Mig Light :o

Cell phone - Thinking I can go without one, but the gf will need hers so I\'ll take that into consideration. Then again, I\'ll probably need one for keeping in touch w/ her if & when needed. Would go for cheapest option. Just wondering if I\'ll need a phone line for the internet connection?

For cooking at home, depending on what the apartment offered it\'d probably be gas / electric cooking.

Budget constraints mean I probably wouldn\'t want a car there - not sure I could even handle driving in PI. So, like you, Ron, transport costs would mostly consist of fares for getting to & from the shops.

Dining out - I\'ll let budget dictate that, would be done on the cheap, p200 each sounds great!

Can you say which part of Philippines you\'re in, Ron?

Cheers for the info

For dining out a rule of thumb I use, if a bowl of rice or a San Mig Lite is more than P30.......it\'s a tourist spot  ;)

Beautiful Bisayan Bohol

P7500 for 2 bed townhouse in a 6 unit compound with parking

My P200 meal is 2 San Mig Lites, Sizzling Squid and Garlic rice......well maybe P240......wife and kids are usually cheaper, unless the go for extra rice and halo-halo  ;D

Vegetarian eating out MAY be a challenge
Title: Re: 2011 Philippines monthly living expenses
Post by: c_a_p_t_a_i_n_r_o_n on March 15, 2011, 05:15:12 AM

Essentially, I want to enjoy myself, do something a bit different, be happy. I don\'t want to wake up to freezing cold mornings and make stale sandwhiches, break my back for 9 hours a day, 5-6 days a week and at the end of the month only have enough cash to cover rent and food. I grow more and more disheartened with this country each day, and at the moment, anywhere but here would be great!


I don\'t know what kind of job skills you have but if I was your age I\'d try and work 3 months in UK (summer preferably) and then head for Philippines 9 months each year
Title: Re: 2011 Philippines monthly living expenses
Post by: dylanaz on March 15, 2011, 05:34:05 AM
Groceries - push it up to P3000 - as a veggie - shop at local barangay market - the farmers bring local produce in twice a week to our local market -


VEGGIES - Eating these daily is the lowest cost way to live in the Philippines. I too had bouts of Vegetablism :)
Many many many locals seem to equate non-meat living with poor people - as veggies costs so much less than meats to live off. In fact you can find past posts from me where locals asked \"WHY DO YOU EAT LIKE A POOR PERSON\"

I just really enjoy the taste of veggies - and many times more than meats -

You have so many choices and maybe we can toss around some veggie recipes in the FOOD section of this forum...

You may look for these now in your local asian market to prepare your tastebuds.

1. AMPALAYA (£1 gets around 2 kilos) - bitter and looks like a wrinkled cucumber - good as a rice topping spiced up. Most locals mix this with egg. I pass on the eggs to avoid projectile vomiting (not an egg man).
(http://www.travelphilippineisland.com/recipes/ginisangampalaya.jpg)


2. LANGKA (£1 gets MANY kilos)- used in MANY ice cream treats and tastes like a bananna, but can also be prepared as a veggie in its unripe form (as seen below) and does NOT taste fruity - boiled down in a coconut milk broth and spiced up - also a good rice topping. Locals often add fermented fish paste - I always skip that part... not  sure why .. such a .. smell :) - it is traditionally boiled down to remove the soup base.. I prefer sauce as it makes it perfect as a rice topping.
(http://filipinorecipes4u.com/wp-content/uploads/ginataang_langka1.jpg)

3. UBE - a purple potatoe with a twist

Title: Re: 2011 Philippines monthly living expenses
Post by: richardsinger on March 15, 2011, 05:44:48 AM
Don\'t forget to put aside some money for contingencies. Hopefully you will never get sick and need medical treatment, but you will need to replace shoes and clothes at some point. Personally, I would prefer to budget with some margin in mind, rather than try for the bare minimum existence. If you find you have more than enough, you don\'t need to spend it all, (unless you want to of course). But if you are short, because of something unforeseen, yiou could easily become miserable very fast.

Richard
Title: Re: 2011 Philippines monthly living expenses
Post by: c_a_p_t_a_i_n_r_o_n on March 15, 2011, 06:11:33 AM
If he can stay under £400 out of his max £500, £100/P7000  a month should be a fair contingency fund

I\'m more concerned that I detect he thinks he can earn a living in the Philippines...............
Title: Re: 2011 Philippines monthly living expenses
Post by: rm86 on March 15, 2011, 07:20:55 AM
Quote
Many many many locals seem to equate non-meat living with poor people - as veggies costs so much less than meats to live off. In fact you can find past posts from me where locals asked \"WHY DO YOU EAT LIKE A POOR PERSON\"

lol, they wouldn\'t be far off the mark with that comment though Dylanaz, I guess I would be considered pretty poor for a foreigner - On the plus side, might make me less of a target for any potential muggers - \"hey there\'s one, let\'s get him\" - \"nah, I heard he\'s a vegetarian\"  ::)

Some of those foods sound great - as unappealing as a wrinkly cucumber sounds - I\'ve learned looks aren\'t everything with the food over there  :D I didn\'t try as much as of the exotic foods as I should have when I was on holiday, I was more amazed at how fresh the bananas etc. were compared to the comparatively dry, bland stuff we have here by the time it gets into the UK  :-X Definitely up for some veggie recipe ideas as well.

Richard - Definitely keeping in mind some emergency cash, I understand how important that is - though probably not entirely until I\'m in an \"oh *** situation\". I\'ll be taking a ton of clothes over with me, which I hope to make last - and I know I can grab some cheap clothes from the stalls in SM when required. Not really thought aboutmedical costs, and hoping I won\'t have to... But knowing my luck  :P

Ron - Other than the rare possibility of landing the classic \'teaching English\' job, I\'ve definitely ruled employment out. I currently freelance from home part time (whilst working a regular job). I\'m hoping to build some long term client relationships and freelance full time to generate a steady income from freelancing whilst I\'m over there in the Philippines - also looking into using the internet to bring in some cash through websites / advertising / blogging / digital products etc. which is a work in progress.

I have a few cash generating ideas in mind which aren\'t computer based. I was thinking something along the lines of a T-Shirt printing gig. Things like that - I can\'t really say for sure whether that\'s something that would work until I\'ve been over there and got a proper feel for how stuff \'works\' out there.

When I do go over, it\'ll be after the sale of a property here - which should, optimistically speaking, be enough to tide me over for 2 years with my proposed budget. If I go over for 6 months and just can\'t get my head round the place and make things happen, I reckon I\'ll jump ship and me and the gf will head back to the UK. I\'m more concerned for her in all of this. I don\'t want her to feel that I can\'t support her adequately, or that her life is going to be a struggle and governed by budgets etc. Basically, I\'ll stay on top of things until I feel it\'s not going well, then I\'ll take action and make sure to jump ship long before said ship sinks!

Cheers all, great readin\'  :D
Title: Re: 2011 Philippines monthly living expenses
Post by: halibaitor on March 15, 2011, 07:43:16 AM
I have a few cash generating ideas in mind which aren\'t computer based. I was thinking something along the lines of a T-Shirt printing gig. Things like that - I can\'t really say for sure whether that\'s something that would work until I\'ve been over there and got a proper feel for how stuff \'works\' out there.

Two things... 

The first being, that is is expressly illegal for you to do any kind of \"work\" over there.  (Your internet based enterprises might do you some good however.)

The second being, for anything you actually try, the Pinoy will beat your socks off, and do it at a fraction of what you are willing to work for.
Title: Re: 2011 Philippines monthly living expenses
Post by: on March 15, 2011, 08:12:02 AM
I have a few cash generating ideas in mind which aren\'t computer based. I was thinking something along the lines of a T-Shirt printing gig. Things like that - I can\'t really say for sure whether that\'s something that would work until I\'ve been over there and got a proper feel for how stuff \'works\' out there.

Two things... 

The first being, that is is expressly illegal for you to do any kind of \"work\" over there.  (Your internet based enterprises might do you some good however.)

The second being, for anything you actually try, the Pinoy will beat your socks off, and do it at a fraction of what you are willing to work for.

I think you should forget anything other the the internet for earning money, unless you have a whole bunch of it to start up something out of reach of most Filipinos. The T-shirt idea is out, there are plenty those around.

Colin
Title: Re: 2011 Philippines monthly living expenses
Post by: fred on March 15, 2011, 08:46:13 AM
Personally,I respect the reasons you wish to escape the UK as I have been trying to do that (full time) for 30 years..
Been here 4 years straight this trip so it looks as if I have finally cracked it.. I was 44 years old with 3 kids in tow when we landed 4 years ago. No pension or income from the UK.
Tried many business start ups here from the age of 17 from bakeries to beauty parlours to piggery`s to you name it!!
After our first venture went pear shaped I was stuck here in the R.P for a further 2 years completely broke.. Best two years of my life which taught me far more about the Philippines than any Internet forum or book ever could..
If I were you I would find a way to stay here for as long as possible without touching a penny of your lump sum..
There are opportunities for that kind of cash to give you a reasonable monthly income but you need to thoroughly acclimatise and observe for a long period before investing..
If you blow your lump sum over 2/3 years you may kick yourself after returning broke to the UK.. (What a depressing thought)

Ive met a few guys here that live a pretty good life working on their laptops..
I`d say that is something you should seriously develop before you arrive here.. AND LEAVE YOUR CASH IN A UK BANK to earn interest..
If you can manage to spend enough time here you will eventually observe that there are indeed a good few expats that live here full time without a pension from overseas..
Given time you may wish to try something similar IF you still think that the R.P is still a place you wish to live either full or part-time..
Fully agree with Captain Rons recommendation in regards Bohol but then I may be biased as I live there!
Regards and good luck on your future ventures..
Fred.



Title: Re: 2011 Philippines monthly living expenses
Post by: rm86 on March 15, 2011, 09:31:49 AM
Halibaitor - Yup, fair point! Two things I definitely intend to avoid - doing anything illegal and \'stepping on the toes\' of any pinoy entrepreneurs, from what I\'ve read here on the forum and a few other sources, that can be a potentially dangerous move  :-X

Colin - Thought as much! Seems like all the smaller nichés over in PI have been filled, still planning to keep an eye out for potential openings though  ;)

Fred - Truly inspiring stuff. As much as I enjoy reading about everyones experiences over there - and the journey involved in actually getting there in the first place - Whether it\'s the older guy with a pension or the part time visitor making plans and dreaming of the future. It all makes for great reading. Though for me, it\'s the guys like you who had a plan, which may have seemed out of reach at times, yet persevered and persisted and kept going in order to make it happen - hearing stories like yours helps to keep me motivated. And it\'s awesome that you seem to have cracked it this time round  8)

I\'d love to hear more about what happened in the 2 years you were there and broke - Sounds like the type of experience that would make for an interesting ebook  :o
Title: Re: 2011 Philippines monthly living expenses
Post by: on March 15, 2011, 10:12:13 AM
.....Richard - Definitely keeping in mind some emergency cash, I understand how important that is - though probably not entirely until I\'m in an \"oh *** situation\". ...........  Not really thought about medical costs, and hoping I won\'t have to... But knowing my luck  :P

Coming from the UK it is easy always subconsciously assume there will be someone there when you get in trouble, when you need an ambulance, or a doctor etc. So in the third world it comes as a bit of a shock when you have an accident, or get seriously ill, and find that there is no 999 to call, that the emergency services won\'t come rushing to whisk you away to hospital on a phone call.

And when you do get treated, there WILL be a bill waiting to be paid, in cash, before you can leave the premises.

My elderly mum in law had a small emergency, four weeks ago, started off as  a foot infection, but complicated by diabetes it led to a week in hospital. Muggins here had to cough up over £1500  before we could collect her from the hospital.

Cheap by American standards, expensive if you are used to UK living, and hellish expensive if you are living on £500 a month.

Just something to bear in mind.
Title: Re: 2011 Philippines monthly living expenses
Post by: halibaitor on March 15, 2011, 10:37:33 AM
Halibaitor - Yup, fair point! Two things I definitely intend to avoid - doing anything illegal and \'stepping on the toes\' of any pinoy entrepreneurs, from what I\'ve read here on the forum and a few other sources, that can be a potentially dangerous move  :-X

It appears that I used an unfortunate phrase.  I didn\'t mean that any of the pinoy would physically beat you, but I guess that *might* be possible.  What I was thinking of was that they would outwork you at whatever it was you were attempting to do.  And they would do it for far less money than you would be willing to work for.  A lot of pinoy work a hard ten hour day for as little as 200 pisos (sometimes less).  And they are supporting a family on that...   :o  It\'s hard to compete with them at that rate.

You need to be doing something they can\'t, like your online endeavors.
Title: Re: 2011 Philippines monthly living expenses
Post by: CanoNoMo on March 16, 2011, 05:53:09 PM
dont forget your bi-monthly visa extention fees... roughly $500USD/year   
Title: Re: 2011 Philippines monthly living expenses
Post by: fred on March 16, 2011, 08:37:24 PM
Quote
And when you do get treated, there WILL be a bill waiting to be paid, in cash, before you can leave the premises.

That used to be the case but is illegal practice now... Patients can no longer be held hostage for cash..
Title: Re: 2011 Philippines monthly living expenses
Post by: on March 16, 2011, 08:59:46 PM
Quote
And when you do get treated, there WILL be a bill waiting to be paid, in cash, before you can leave the premises.

That used to be the case but is illegal practice now... Patients can no longer be held hostage for cash..

So I would guess that nowadays they\'ll do something to ensure they get their cabbage before they start sinking large sums of money into emergency operations and treatment.

AUF hospital in Angeles demanded we pay up front when the MIL needed an emergency operation. We needed to clear her current running bill, plus the costs of the planned operation. If I hadn\'t been able to wire money in immediately they would not have operated, and her life would have been at risk.

Lots of things are illegal in the Philippines, but....  ;)

The niece who lives with us actually works in that hospital, so she negotiated a 30% discount for us as well. Cool.
Title: Re: 2011 Philippines monthly living expenses
Post by: c_a_p_t_a_i_n_r_o_n on March 16, 2011, 09:09:40 PM
Quote
And when you do get treated, there WILL be a bill waiting to be paid, in cash, before you can leave the premises.

That used to be the case but is illegal practice now... Patients can no longer be held hostage for cash..

So I would guess that nowadays they\'ll do something to ensure they get their cabbage before they start sinking large sums of money into emergency operations and treatment.

AUF hospital in Angeles demanded we pay up front when the MIL needed an emergency operation. We needed to clear her current running bill, plus the costs of the planned operation. If I hadn\'t been able to wire money in immediately they would not have operated, and her life would have been at risk.

Lots of things are illegal in the Philippines, but....  ;)

The niece who lives with us actually works in that hospital, so she negotiated a 30% discount for us as well. Cool.

Doesn\'t Philhealth knock another 30-40% off too?
Title: Re: 2011 Philippines monthly living expenses
Post by: halibaitor on March 16, 2011, 09:15:52 PM

That used to be the case but is illegal practice now... Patients can no longer be held hostage for cash..

If I understand that law correctly, it does not apply if you are in a private room. 
Title: Re: 2011 Philippines monthly living expenses
Post by: c_a_p_t_a_i_n_r_o_n on March 16, 2011, 10:42:49 PM
Which law you two talking about?
Title: Re: 2011 Philippines monthly living expenses
Post by: dutch expat on March 16, 2011, 10:55:48 PM
I think it\'s the Republic Act No 9439  An act prohibiting the detention of patients in hospitals and medical clinics on grounds of nonpayment of hospital billes or medical expenses.  http://www.lawphil.net/statutes/repacts/ra2007/ra_9439_2007.html
Title: Re: 2011 Philippines monthly living expenses
Post by: on March 17, 2011, 01:53:02 AM

Doesn\'t Philhealth knock another 30-40% off too?

We heard that after the bill arrived, so my wife has just enrolled with them for any future events, as it covers all family members. It is very inexpensive apparently.

Wife and I get medical insurance off my company, but it doesn\'t cover the mum in law.
Title: Re: 2011 Philippines monthly living expenses
Post by: halibaitor on March 17, 2011, 02:04:07 AM
I think it\'s the Republic Act No 9439  An act prohibiting the detention of patients in hospitals and medical clinics on grounds of nonpayment of hospital bills or medical expenses.  [url]http://www.lawphil.net/statutes/repacts/ra2007/ra_9439_2007.html[/url]


That\'s the one.  I was referring to the last sentence in Sect.2.

I\'m guessing their logic is that if you are rich enough to have a private room, then they can hold you hostage, because you can obviously afford to pay.  Another case of \"Only in the Philippines\".
Title: Re: 2011 Philippines monthly living expenses
Post by: c_a_p_t_a_i_n_r_o_n on March 17, 2011, 05:10:21 AM

Doesn\'t Philhealth knock another 30-40% off too?

We heard that after the bill arrived, so my wife has just enrolled with them for any future events, as it covers all family members. It is very inexpensive apparently.


Philhealth P100/month payable quarterly

I don\'t believe it covers the household.......In your wifes name, it\'ll cover you and your kids to 21 years old, but I think the m-i-l would need to have her own policy.
Title: Re: 2011 Philippines monthly living expenses
Post by: on March 17, 2011, 07:41:08 AM

Doesn\'t Philhealth knock another 30-40% off too?

We heard that after the bill arrived, so my wife has just enrolled with them for any future events, as it covers all family members. It is very inexpensive apparently.


Philhealth P100/month payable quarterly

I don\'t believe it covers the household.......In your wifes name, it\'ll cover you and your kids to 21 years old, but I think the m-i-l would need to have her own policy.

I think Bings mother was covered by her eldest sons Philhealth for her cancer treatment recently. Bing does have Philhealth but leaves that side of the arrangements to the rest of the family as their contribution.

Colin
Title: Re: 2011 Philippines monthly living expenses
Post by: c_a_p_t_a_i_n_r_o_n on March 17, 2011, 05:39:21 PM
Philhealth covers your whole family- If the head of the family gets enrolled in PhilHealth, the whole family is automatically covered by health insurance.
The coverage would include the spouse, all legitimate and illegitimate children below 21, and parents over 60 years old.
The main enrollee would get a maximum of 45 days coverage for in-patient care and the dependents can get another 45 days, which is shared between them.

http://victorlamadrid.blogspot.com/2011/02/six-great-reasons-to-enroll-in.html (http://victorlamadrid.blogspot.com/2011/02/six-great-reasons-to-enroll-in.html)
Title: Re: 2011 Philippines monthly living expenses
Post by: on March 17, 2011, 08:22:58 PM
Philhealth covers your whole family- If the head of the family gets enrolled in PhilHealth, the whole family is automatically covered by health insurance.
The coverage would include the spouse, all legitimate and illegitimate children below 21, and parents over 60 years old.
The main enrollee would get a maximum of 45 days coverage for in-patient care and the dependents can get another 45 days, which is shared between them.

[url]http://victorlamadrid.blogspot.com/2011/02/six-great-reasons-to-enroll-in.html[/url] ([url]http://victorlamadrid.blogspot.com/2011/02/six-great-reasons-to-enroll-in.html[/url])


Thanks Ron. I\'m pretty sure the wife thought that, but I was not positive.

It would have taken a large bite out of the 100,000+ bill I paid last month.
Title: Re: 2011 Philippines monthly living expenses
Post by: graham on March 21, 2011, 08:01:03 PM
rm86

I have admiration for your determination, you have a desire to succeed. I only have one query,
why would you want to live on the most expensive Island in the Philippines?? Is there some
reason that you have to live there, like g/f\'s family?

If there is no compelling reason then why not try a cheaper place to live. Don\'t blinker yourself to Luzon.
I live on what is thought to be the cheapest place to live, Mindanao! I am a pensioner, have my own house.
Costs me around Php40K but I live well. I suspect that you could live comfortably here on the money you describe.
 But as others have said, how will you pay for Visa Extensions, medical etc. You will soon get bored out of your mind
 if you can\'t afford to go out

Graham 
Title: Re: 2011 Philippines monthly living expenses
Post by: oneiloilokano on March 23, 2011, 10:44:23 AM
Overall your budget is realistic. I do think it could use some adjusting.

Electric - I would at least double your estimate. Especialy if you have any intentions of using aircon. You\'d be surprised how much electicity it takes to run a standard size fridge and water cooler 24/7.

FOOD- Veggie prices have gone up by at least 1/3 rd in recent months. I would add a few thousnd P to your budget.

I agree with Captian Ron. If your trying to go one the cheap. Cheese (anything other than the \"eden\" cheese) which is horrible, it\'s very expensive and a once in a while treat on special occasions. It\'s definately going to be a challenge being a vegetarion here. :)

internet and telephone  I use globe broadband for P990 a month. But it is also required to have basic telephone service which is P800 a month.

Visa extension fees ?

Cooking gas aka LPG is now near P800 a month. You will go through at least one a month.

Of course you can\'t budget everything. But keep an emergency fund in case you have to go to the hospitals. Most here demand upfront payment for tratment. No money ? So sorry !

Good luck.

Paul in Iloilo.
Title: Re: 2011 Philippines monthly living expenses
Post by: on March 23, 2011, 08:38:41 PM
Electricity bill is twice as high for us in the PI as it was in the UK. We run air-cons in two of the bedrooms at night, but not in the rest of the house.

Didn\'t someone do a comparison here recently that showed Philippines electric was about the most expensive in the world??
Title: Re: 2011 Philippines monthly living expenses
Post by: oneiloilokano on April 25, 2011, 02:37:05 PM
I think the reasons for the variance in estimated cost vary because of the location and of course lifestyle.

Captianron pretty much nailed the costs down.

I also buy my beer by the case and buy my cigs by the carton. P29 for marlboros when you do it that way. Added plus is you get a couple three red horses free per carton.

I\'d also say double your electric estimate. My bill this month was up to P 9,000 again. But I live in Iloilo which has the highest electric costs in the country. That\'s with running 1 1.5 hp ac unit 20 hours a day. 3 puters, 2 tv\'s 1 standard size ref and my water dispenser.
Gotta have that hw for the am coffee and cold water for the afternoons here. Which I noticed you did not budget for. Not to be picky but seems to me your trying to nail the costs down as accurately as possible.

5 gal bottled water I have seen from P35 to p 50. If your not using at least 3 a week, your dehydrating because of the summer heat.

As was previously pointed out, what are you going to cook with ? We generally go through 1 bottle a month for cooking gas and that was P800 plus the last week and looks like it\'s going up again. Cook with toaster ovens or turbo broilers and watch you electric meter spin like a helicopter :). 

I also agree that sending your gal to secure the place is a must. I\'ve lived here over 9 years and I can honestly tell you what my bro in law told me, \"Paul your not going to get any bargains here\" As was said before once they know a kano is involved the priced magically rise. It would also serve you better not to shop at the wet market with your wife for the same reason. I go to the market, but I head to the coffe shop and wait for the wife to order breakfast.

You\'ll pretty much figure out a comfortable budget in a few months.

Good luck and enjoy the Philippines.

Paul in Iloilo
Title: Re: 2011 Philippines monthly living expenses
Post by: Garpo on April 25, 2011, 08:23:47 PM
I have been living in the Luzon area since last November and while I do not believe that you can make it on the budget you have listed.  I and my wife live in a small two bedroom apartment for 4k per month.  No a/c but electric cost is still about 4k a month. Food is 3k per week. We don\'t have a car and spend 1k per month on transportation costs.  Cable TV, internet, telephone run about 4k per month.

We do not live in a gated or secured area and our apartment is part of a six unit building surrounded by houses and open lots.  We are in a small town that has no mall or major shopping so things are bought at the open market or on our monthly trip to Clark and SM mall.

It is hard to calculate additional costs but I can tell you that I have not had a month yet where I have spent less than 50k.

We also are able to make a little extra money by selling small home made things like ice candy, cookies, etc. etc. etc.  We also sell things that will not expire or go bad before being sold.  We also have had pretty good luck by selling cell phone loads which is easy to do.  Nothing here that is going to get you rich or make you a lot of money but you are in the Philippines and every little peso helps.  We have two sari sari stores very close by but I have found that a lot of the neighbors like to come and chat with the Kano while they load their cell phones or buy a few small items.  We try not to compete or sell the same things as what is in the sari sari stores so have not had any problems with them either.  Our best customers are the young kids that love to buy chocolate ice candy from the fat Kano guy. ;D
Title: Re: 2011 Philippines monthly living expenses
Post by: fred on April 26, 2011, 09:37:03 AM
Crikey!! I must have the lowest power bills on the forum!!
Fridge freezer,2 TV`s,laptop,5 fans,2 A/C`s (not usually required) Auto washing machine,pressure washer,electric flymo grass cutter.. We are now using mainly florescent and LED lighting.. My last bill was 1,500 PHP!!  
Gasul .... 840PHP down from 900P 2 months ago,lasts a family of 8 two months..(11 kgs)
Having said that,they cook outside quite a bit with charcoal and wood.
Title: Re: 2011 Philippines monthly living expenses
Post by: Garpo on April 27, 2011, 10:42:21 AM
Crikey!! I must have the lowest power bills on the forum!!
Fridge freezer,2 TV`s,laptop,5 fans,2 A/C`s (not usually required) Auto washing machine,pressure washer,electric flymo grass cutter.. We are now using mainly florescent and LED lighting.. My last bill was 1,500 PHP!!  
Gasul .... 840PHP down from 900P 2 months ago,lasts a family of 8 two months..(11 kgs)
Having said that,they cook outside quite a bit with charcoal and wood.

Fred,

Remind me to make sure to check my power line and meter if you are ever my neighbor.  You got to be tapping some from somewhere.....just kidding but would love to know your secret to being able to to only pay 1,500.  while using all of that equipment.   
Title: Re: 2011 Philippines monthly living expenses
Post by: c_a_p_t_a_i_n_r_o_n on April 27, 2011, 05:03:57 PM
Crikey!! I must have the lowest power bills on the forum!!
Fridge freezer,2 TV`s,laptop,5 fans,2 A/C`s (not usually required) Auto washing machine,pressure washer,electric flymo grass cutter.. We are now using mainly florescent and LED lighting.. My last bill was 1,500 PHP!!  
Gasul .... 840PHP down from 900P 2 months ago,lasts a family of 8 two months..(11 kgs)
Having said that,they cook outside quite a bit with charcoal and wood.


Unfair fred!!!

You\'re on BOHECO aren\'t you?  a co-operative and therefore not profit driven
http://www.boheco2.com/ (http://www.boheco2.com/)

In Tagbilaran itself we\'re tied into Bohol Light Company P2,000-6,000 per month

Latest bill was P7.49/Kwh
Title: Re: 2011 Philippines monthly living expenses
Post by: richardsinger on April 28, 2011, 09:34:08 AM
I am paying between P1,600 and P1,900 per month, depending on how many visitors I have. Have 3 A/C units, but hardly use them because I prefer just a fan. The bill will go up from now on though, because I just had a 1HP pump installed to boost the water pressure.

Richard