Author Topic: Things that can or do directly affect ones cost of living  (Read 443 times)

Offline Lee2

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Things that can or do directly affect ones cost of living
« on: July 30, 2018, 09:57:07 PM »
Rents can be a big one, for us we own our own condo, so all we have to pay is our monthly condo fee of around $50 a month and the yearly property taxes of around $200 a year.

The type of visa a person has can save them some money and/or time, which is money, many people do not count running back and forth to the BI as costs but it is and should be counted into necessary expenses.

Medical can be a big one, either having medical insurance or setting aside money for emergencies of our own and for our families.

Hopefully others can list their major yearly costs, for us we spend between U.S. $1500 to $2000 a month on the months we live in our condo in Cebu but we stay on a Balikbayan Privilege so no visa costs.

:) Happily married since 1994 & live part of the year in Cebu and the rest in S. Florida.

Offline jjcabgou

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Re: Things that can or do directly affect ones cost of living
« Reply #1 on: July 31, 2018, 09:24:17 AM »
Golf  :D ;) :)

Offline lost_in_samoa

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Re: Things that can or do directly affect ones cost of living
« Reply #2 on: July 31, 2018, 09:42:45 AM »
"Things that can or do directly affect ones cost of living"   "list their major yearly costs"

"Please Briar Lee don't throw me into the briar patch".

Food.

When we first came here our market costs were really high.  We lay out a big Amish style table, and who ever is around gets a heaping plate full of ...... what ever.  All the kids prefer the farm to school, hanging on the plaza, or selfie - selfie.  So there is usually 5 or 6 of them under foot too.

Small scale gardening.  It never ceases to amaze me how much we can produce on so little space.  This ain't your Grandma's gardening.  Hydroponics, Aquaponics, Aeroponics, Fogponics, ad nauseum ponics.  There are a pile of fascinating changes in growing.  Folks are growing 40 -> 80% of their daily intake on a condo balcony.

We have all but eliminated those costs just with planters, and containers around the various buildings.  Now that we are feeding with AD effluent the yields are unbelievable.


Ester is very much into food preservation in all its forms.  This is an evolution from her earlier hobby of cooking.  She can's, dehydrates, pickles, or ferments everything that does not move.  If it does, she asks me to shoot it, then she puts it back.  The vendors at the wet market watch for her, call and text her, find and cut her better deals.

Now she is investigating spice distillation.


Medical

We pretty much only eat what we produce.  It is of known origin and consequently better quality.  We have managed to change most of the family's eating habits from a "plate load" of rice and one tomato to equal portions of carbs, greens, and proteins. 

You can see the difference in people.

We produce a lot of folk remedies / toiletries.  We are not getting sick as much as in the past.  Much lesser incidence of respiratory and intestinal problems.  "Sore Eyes" used to be a big deal.

We now make soaps in the carboy for the cost of a bar.  So everyone here gets a gallon or so once a quarter.  We are keeping cleaner as a result.  Cuts, scrapes, abrasions, and boo - boo's get cleaned sooner and more often. 

It was embarrassing to everyone, but hygiene has a huge effect on this subject.

We have eliminated about 90% of the over the counter stuff.  It is surprising how big those costs added up to.

Entertainment

This is a biggie for us.  When I first started out, long before I married Ester.  I was working part time, at night, washing dishes in a steak house.  I hated it.  I hated having no options. I hated being tempted by the left overs in the bus pans.

That revulsion led me to seriously think about the meaning of "fun" and "work".  I could not fathom how folks could slave away 40, 50, 60 hours a week at work to get 3 or 4 hours of "play" time.  When there is really no difference between the efforts.  That train of thought led me to Bernays, and other folks.  People who are influential in driving what you think of as work and leisure.

So for us, our entertainment is providing for ourselves.  If you are here you are active.  Do something, or learn something.

And it is catching on.  Most of the crumb snatchers are no longer enthralled with duck lip selfies.  They are learning that "being" is more rewarding than "pretending".

We don't karaoke.  But we do sing to each other.  The Phones, TV, and Internet are for educational purposes.  We use them as tools not toys.

The satisfaction from creating and sharing is out weighing the tiny rush you get from watching "The Provinciano".  Folks are learning that gaining or teaching a new skill feels better than "Pinoy's got Talent".

We are slowly re-learning to defer immediate gratification, for a larger more meaningful return in the future.  Some would call that discipline.

Attitude / Environment

A lot of my family resisted this.  They searched for detractors harder than positives.  Don't have money.  Don't have time.  Don't have land.  Don't have know how.  Afraid to try.  It was infuriating.

The tide turned a few years back.  The concept of not trying is "self inflicted failing", finally sunk in.

My Lolo came to me yesterday.  All of us were lounging, burping and farting, after a huge lunch of super spicy Balatong, Umpalaya, and canned Carabao. He told me for the first time in his long life, money was not so important.



Normally when I post something like this it is a thread killer.  Is that a reflection on me or Y'all?

Offline JoeLP

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Re: Things that can or do directly affect ones cost of living
« Reply #3 on: July 31, 2018, 03:57:07 PM »
"Please Briar Lee don't throw me into the briar patch".

Food.

When we first came here our market costs were really high.  We lay out a big Amish style table, and who ever is around gets a heaping plate full of ...... what ever.  All the kids prefer the farm to school, hanging on the plaza, or selfie - selfie.  So there is usually 5 or 6 of them under foot too.

Small scale gardening.  It never ceases to amaze me how much we can produce on so little space.  This ain't your Grandma's gardening.  Hydroponics, Aquaponics, Aeroponics, Fogponics, ad nauseum ponics.  There are a pile of fascinating changes in growing.  Folks are growing 40 -> 80% of their daily intake on a condo balcony.

We have all but eliminated those costs just with planters, and containers around the various buildings.  Now that we are feeding with AD effluent the yields are unbelievable.


Ester is very much into food preservation in all its forms.  This is an evolution from her earlier hobby of cooking.  She can's, dehydrates, pickles, or ferments everything that does not move.  If it does, she asks me to shoot it, then she puts it back.  The vendors at the wet market watch for her, call and text her, find and cut her better deals.

Now she is investigating spice distillation.


Medical

We pretty much only eat what we produce.  It is of known origin and consequently better quality.  We have managed to change most of the family's eating habits from a "plate load" of rice and one tomato to equal portions of carbs, greens, and proteins. 

You can see the difference in people.

We produce a lot of folk remedies / toiletries.  We are not getting sick as much as in the past.  Much lesser incidence of respiratory and intestinal problems.  "Sore Eyes" used to be a big deal.

We now make soaps in the carboy for the cost of a bar.  So everyone here gets a gallon or so once a quarter.  We are keeping cleaner as a result.  Cuts, scrapes, abrasions, and boo - boo's get cleaned sooner and more often. 

It was embarrassing to everyone, but hygiene has a huge effect on this subject.

We have eliminated about 90% of the over the counter stuff.  It is surprising how big those costs added up to.

Entertainment

This is a biggie for us.  When I first started out, long before I married Ester.  I was working part time, at night, washing dishes in a steak house.  I hated it.  I hated having no options. I hated being tempted by the left overs in the bus pans.

That revulsion led me to seriously think about the meaning of "fun" and "work".  I could not fathom how folks could slave away 40, 50, 60 hours a week at work to get 3 or 4 hours of "play" time.  When there is really no difference between the efforts.  That train of thought led me to Bernays, and other folks.  People who are influential in driving what you think of as work and leisure.

So for us, our entertainment is providing for ourselves.  If you are here you are active.  Do something, or learn something.

And it is catching on.  Most of the crumb snatchers are no longer enthralled with duck lip selfies.  They are learning that "being" is more rewarding than "pretending".

We don't karaoke.  But we do sing to each other.  The Phones, TV, and Internet are for educational purposes.  We use them as tools not toys.

The satisfaction from creating and sharing is out weighing the tiny rush you get from watching "The Provinciano".  Folks are learning that gaining or teaching a new skill feels better than "Pinoy's got Talent".

We are slowly re-learning to defer immediate gratification, for a larger more meaningful return in the future.  Some would call that discipline.

Attitude / Environment

A lot of my family resisted this.  They searched for detractors harder than positives.  Don't have money.  Don't have time.  Don't have land.  Don't have know how.  Afraid to try.  It was infuriating.

The tide turned a few years back.  The concept of not trying is "self inflicted failing", finally sunk in.

My Lolo came to me yesterday.  All of us were lounging, burping and farting, after a huge lunch of super spicy Balatong, Umpalaya, and canned Carabao. He told me for the first time in his long life, money was not so important.



Normally when I post something like this it is a thread killer.  Is that a reflection on me or Y'all?
Not to that level yet, but my 5 years here has been pushing me in that direction.  The whole system here is built on a tradition that is full of faults.  If a mom can afford a table/ipad, she does because she's usually too damn lazy to raise her kid herself and wants the tv/tablet/ipad to do it for her.  I was only here a year when I got Tina to agree the boys have to stay outside till dark.  No tv/video games/net/etc.  After our son was born I hid her Ipad because that was what she made his babysitter.  It took time but now the older boys will take LJ out and play with him with only needing to ask if it's ok first now day.  I can see an end in site I hope where I can get them seeing self education as more important that movies and such. 
I shut down karaoke, but for different reasons...horrible singing at 1-2 am blasting out our doors as well as the neighbors is being horrible to me.  And it's now Tina, our kids, or even her sisters and their kids.  We rented one for one fiesta and people I never seen in my life were singing and turning it up louder and louder the later it got and singing worse and worse.  Never rented again and when she asked told her no way we're buying one.  I was in choir in high school and know the schools here lack it. I would like for my kids to get to practice their singing and all...but for whatever reason, saying no to guests is a horrible thing here(at least in my area) and that both drives me up the wall and made me say no to the noise box.
But I do like where you have it going there.  Much healthier for the mind.
In the land of the blind, the one eyed man is king.

Offline Lee2

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Re: Things that can or do directly affect ones cost of living
« Reply #4 on: July 31, 2018, 04:12:58 PM »
Please, lets bring the topic back around to costs, although some of the items mentioned within your posts definitely would cost us money, yet that was not the direction I was trying to bring this topic.
:) Happily married since 1994 & live part of the year in Cebu and the rest in S. Florida.

Offline lost_in_samoa

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Re: Things that can or do directly affect ones cost of living
« Reply #5 on: July 31, 2018, 04:54:22 PM »
Please, lets bring the topic back around to costs,      yet that was not the direction I was trying to bring this topic.

Apologies.  Y'all know I'm prone to wax philosophic.  Did not mean to hijack.

We bought our land free and clear.  That was an adventure in itself.  So we don't pay rent.  Taxes at this time are very reasonable.  Hope that don't change.

I am on the expanded SRRV.  So that is $360 every 3 years.

Electricity.  We make our own for the most part.   Water.  We pump our own.   Gasul.  We make our own.   Cooling.  House construction style negates the need for it.  Same with heating.

Fuel for transportation.  Ester drives a diesel and she is very frugal.   I'd say that we use maybe an 18 gallon tank once a month.

Fuel for machinery.  About 20 gallons a month on average.   We ran an old Tecumseh 5hp off of biogas for the first time last week.  Went well.  If that works out then you can cut our irrigation expense out of the picture.  I have an interest in wood gas and once I wrap up AD that will be my next project.

Upkeep on machinery / tools.  About 5000php per month.  Grease, bearings, seals, saw blades, etc.

Major medical.  We self insure so no insurance premiums.   We are both in good health and it's getting better.  Despite us getting older.

Minor medical.   See hijack post.  I'd say we spend about 500php a month on various personal items.

Food.  About 2000php per month for stuff we don't have.  Salt, pimenta, sugar, Bagoong, etc.  Very occasionally we will have a pizza.

Entertainment.  999php a month for Internet.  It ain't great speed but it is stable.  No cable.

Education.  Our daughter is done with Ateneo and on her own now.   Teaches martial arts with hopes of establishing her own dojo.

Ester and I spend about an hour a day on average home-schooling the rug-rats around here.  Most of our materials are free off the Internet.  I dedicated a couple of hand me down laptops for this.   There is a wealth of stuff out there that is in my opinion FAR superior to what kids get in the class room these days.

That more in line with what you had in mind?  I was not joking when I said we live well off of $600 a month.

Offline Dawg

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Re: Things that can or do directly affect ones cost of living
« Reply #6 on: July 31, 2018, 07:50:26 PM »
We have noticed costs rising over the last 6 months. Electric, water and food have gone up in price. However, they are still manageable.

After reading all the posts I realized that our budget was very conservative as we laid out our spending predictions on housing, utilities and food. Even entertainment we are way under budget.

What we didn't figure in was family needs. these are not outrageous but cumulative and do put a strain on keeping to the budget. We've learned to say no a lot and the family is learning not to bug us for stuff they should have already taken care of.

Life doesn't always work out the way you expect
Sometimes it's better!

Offline suzukig1

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Re: Things that can or do directly affect ones cost of living
« Reply #7 on: August 01, 2018, 10:19:38 AM »
https://www.philstar.com/business/2018/08/01/1838484/bsp-expects-july-inflation-51-58

BSP expects July inflation at 5.1 to 5.8%

Lawrence Agcaoili (The Philippine Star) - August 1, 2018 - 12:00am

MANILA, Philippines ó Consumer prices likely accelerated further in July as the Bangko Sentral ng Pilipinas (BSP) expects inflation to hit a fresh five-year high on the back of increased utility rates, oil prices and fares, higher excise tax on tobacco products, and more expensive rice and agricultural products.

The BSPís Department of Economic Research said inflation would likely hover between 5.1 and 5.8 percent in July ...

Offline jjcabgou

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Re: Things that can or do directly affect ones cost of living
« Reply #8 on: August 02, 2018, 07:35:46 PM »
Apologies.  Y'all know I'm prone to wax philosophic.  Did not mean to hijack.

We bought our land free and clear.  That was an adventure in itself.  So we don't pay rent.  Taxes at this time are very reasonable.  Hope that don't change.

I am on the expanded SRRV.  So that is $360 every 3 years.

Electricity.  We make our own for the most part.   Water.  We pump our own.   Gasul.  We make our own.   Cooling.  House construction style negates the need for it.  Same with heating.

Fuel for transportation.  Ester drives a diesel and she is very frugal.   I'd say that we use maybe an 18 gallon tank once a month.

Fuel for machinery.  About 20 gallons a month on average.   We ran an old Tecumseh 5hp off of biogas for the first time last week.  Went well.  If that works out then you can cut our irrigation expense out of the picture.  I have an interest in wood gas and once I wrap up AD that will be my next project.

Upkeep on machinery / tools.  About 5000php per month.  Grease, bearings, seals, saw blades, etc.

Major medical.  We self insure so no insurance premiums.   We are both in good health and it's getting better.  Despite us getting older.

Minor medical.   See hijack post.  I'd say we spend about 500php a month on various personal items.

Food.  About 2000php per month for stuff we don't have.  Salt, pimenta, sugar, Bagoong, etc.  Very occasionally we will have a pizza.

Entertainment.  999php a month for Internet.  It ain't great speed but it is stable.  No cable.

Education.  Our daughter is done with Ateneo and on her own now.   Teaches martial arts with hopes of establishing her own dojo.

Ester and I spend about an hour a day on average home-schooling the rug-rats around here.  Most of our materials are free off the Internet.  I dedicated a couple of hand me down laptops for this.   There is a wealth of stuff out there that is in my opinion FAR superior to what kids get in the class room these days.

That more in line with what you had in mind?  I was not joking when I said we live well off of $600 a month.

WOW!!!

Offline Peter

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Re: Things that can or do directly affect ones cost of living
« Reply #9 on: August 03, 2018, 05:51:21 PM »
Apologies.  Y'all know I'm prone to wax philosophic.  Did not mean to hijack.

..................................................

Fuel for transportation.  Ester drives a diesel and she is very frugal.   I'd say that we use maybe an 18 gallon tank once a month.
............................


I used to run an imported Mazda Friendee (aka Ford Freda) here, which had a 2.5 ltr. diesel engine. This is the same engine Ford used, under licence when they were in cahoots with Mazda, for the Ranger series up to the year 2006 or so.

A mix of diesel and cooking oil is quite common for this engine series in the UK, within the camping/caravanning communities, due to the high cost of fuel.
A mix up to 50% of cooking oil during the summer, dropping back to adding only 15% during winter. 

The (free) used cooking oil sources were normally local fish and chip shops who changed their used oil regularly and were glad not to have to dispose of it themselves.

The cost of 4 litres of cooking oil, on special from the shops, was about the same as, or less than, the pump price for a single litre of diesel.

As the Friendee/Freda diesel has an 80 litre tank, the savings are quite considerable. (Cost of 40 litres of diesel = appox. cost of 160 litres of cooking oil from the market.)

Only mechanical downside was the need to clean the inline fuel filters regularly. And if ex-F&C shop oil was used, the exhaust smelt like a Jollibee kitchen if you were in a car behind one.  :) :) :)

I haven't smelt anyone around here using cooking oil yet, but it would meke a nice change to the normal smelly Jeepney exhausts. :)  :)  :)


Peter
Noli nothis permittere te terere.
Virtus autem corruptibilis est,
summa virtute prorsus corrumpitur,

Offline lost_in_samoa

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Re: Things that can or do directly affect ones cost of living
« Reply #10 on: August 03, 2018, 07:22:44 PM »
A mix of diesel and cooking oil is quite common

Maraming Salamat Po.

I have heard of this.  I researched just a little into WVO conversions.  Decided to shelve it for future study.

May I follow up with you when I finally dig into that subject?


Offline Peter

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Re: Things that can or do directly affect ones cost of living
« Reply #11 on: August 03, 2018, 07:39:58 PM »
Maraming Salamat Po.

I have heard of this.  I researched just a little into WVO conversions.  Decided to shelve it for future study.

May I follow up with you when I finally dig into that subject?

No problem with that.

Not an expert on the subject, but know quite a few who did this and shared their expertise.

There is a lot of info on UK Mazda Friendee Bongo sites.

Peter.
« Last Edit: August 03, 2018, 07:47:57 PM by Peter »
Noli nothis permittere te terere.
Virtus autem corruptibilis est,
summa virtute prorsus corrumpitur,

Offline Gray Wolf

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Re: Things that can or do directly affect ones cost of living
« Reply #12 on: August 17, 2018, 12:09:38 AM »
"Please Briar Lee don't throw me into the briar patch".

Food.

When we first came here our market costs were really high.  We lay out a big Amish style table, and who ever is around gets a heaping plate full of ...... what ever.  All the kids prefer the farm to school, hanging on the plaza, or selfie - selfie.  So there is usually 5 or 6 of them under foot too.

Small scale gardening.  It never ceases to amaze me how much we can produce on so little space.  This ain't your Grandma's gardening.  Hydroponics, Aquaponics, Aeroponics, Fogponics, ad nauseum ponics.  There are a pile of fascinating changes in growing.  Folks are growing 40 -> 80% of their daily intake on a condo balcony.

We have all but eliminated those costs just with planters, and containers around the various buildings.  Now that we are feeding with AD effluent the yields are unbelievable.


Ester is very much into food preservation in all its forms.  This is an evolution from her earlier hobby of cooking.  She can's, dehydrates, pickles, or ferments everything that does not move.  If it does, she asks me to shoot it, then she puts it back.  The vendors at the wet market watch for her, call and text her, find and cut her better deals.

Now she is investigating spice distillation.


Medical

We pretty much only eat what we produce.  It is of known origin and consequently better quality.  We have managed to change most of the family's eating habits from a "plate load" of rice and one tomato to equal portions of carbs, greens, and proteins. 

You can see the difference in people.

We produce a lot of folk remedies / toiletries.  We are not getting sick as much as in the past.  Much lesser incidence of respiratory and intestinal problems.  "Sore Eyes" used to be a big deal.

We now make soaps in the carboy for the cost of a bar.  So everyone here gets a gallon or so once a quarter.  We are keeping cleaner as a result.  Cuts, scrapes, abrasions, and boo - boo's get cleaned sooner and more often. 

It was embarrassing to everyone, but hygiene has a huge effect on this subject.

We have eliminated about 90% of the over the counter stuff.  It is surprising how big those costs added up to.

Entertainment

This is a biggie for us.  When I first started out, long before I married Ester.  I was working part time, at night, washing dishes in a steak house.  I hated it.  I hated having no options. I hated being tempted by the left overs in the bus pans.

That revulsion led me to seriously think about the meaning of "fun" and "work".  I could not fathom how folks could slave away 40, 50, 60 hours a week at work to get 3 or 4 hours of "play" time.  When there is really no difference between the efforts.  That train of thought led me to Bernays, and other folks.  People who are influential in driving what you think of as work and leisure.

So for us, our entertainment is providing for ourselves.  If you are here you are active.  Do something, or learn something.

And it is catching on.  Most of the crumb snatchers are no longer enthralled with duck lip selfies.  They are learning that "being" is more rewarding than "pretending".

We don't karaoke.  But we do sing to each other.  The Phones, TV, and Internet are for educational purposes.  We use them as tools not toys.

The satisfaction from creating and sharing is out weighing the tiny rush you get from watching "The Provinciano".  Folks are learning that gaining or teaching a new skill feels better than "Pinoy's got Talent".

We are slowly re-learning to defer immediate gratification, for a larger more meaningful return in the future.  Some would call that discipline.

Attitude / Environment

A lot of my family resisted this.  They searched for detractors harder than positives.  Don't have money.  Don't have time.  Don't have land.  Don't have know how.  Afraid to try.  It was infuriating.

The tide turned a few years back.  The concept of not trying is "self inflicted failing", finally sunk in.

My Lolo came to me yesterday.  All of us were lounging, burping and farting, after a huge lunch of super spicy Balatong, Umpalaya, and canned Carabao. He told me for the first time in his long life, money was not so important.



Normally when I post something like this it is a thread killer.  Is that a reflection on me or Y'all?

You are a huge inspiration to me, brother. Glo and I are actively working on changing our family's activities. Keep it up. I may not respond to your posts, but I retain the info and have created files for future use and share with our family in Manila and on the farm. Ester's canning and preservation skills are awesome! She inspires me and Gloria  :)
Louisville, KY USA

Offline lost_in_samoa

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Re: Things that can or do directly affect ones cost of living
« Reply #13 on: August 17, 2018, 05:39:39 AM »
huge inspiration

Awww Hell!   Now my head's all swole up and I can't fit through the doorway.

Offline Gray Wolf

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Re: Things that can or do directly affect ones cost of living
« Reply #14 on: August 18, 2018, 03:35:44 AM »
Awww Hell!   Now my head's all swole up and I can't fit through the doorway.

Good thing you're replacing the tile floors. Maybe you can deepen the floor level to make room for the extra cranial size   :D :D :D
Louisville, KY USA

 


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