Hi all,
Moved here from Los Angeles four years ago. Currently late 20s/early 30s with dual income and no kids. Before moving, all I read on Reddit was how you can live like royalty on $1500/mo. Now that we're looking at our costs and planning for a child, we're confused. We're currently spending around $5K/mo in Makati CBD, far from the $1.5K number people keep talking about.
If we moved back to SoCal tomorrow, maintaining our exact standard of living would run us around $8k/mo, which we’re totally fine with. I guess I just didn't expect the 'Philippines discount' for a true Western baseline in Makati to only save us $3k/mo. It makes you wonder where the people claiming to 'live like royalty on $1.5k' are actually getting their numbers from.
After four years, I don't see how anyone is doing that without dropping their quality of life off of a cliff. My partner and I aren't trying to ball out, we're just maintaining a basic, comfortable SoCal baseline with walkable streets, breathing space, continuous AC, clean food, and some help around the apartment. Looking at schooling was rough too; sending a kid to school in the Philippines will add another $20K/year to match Western education standards.
Our monthly burn in Makati for 2 people (and no, we cannot move since we work):
- Rent: 130K (123sqm, 2bed, 2.5bath in Makati CBD) We needed centralized AC for our sanity
- Electricity: 16K
- Internet and Water: 4K
- Groceries: 40K (Santi's, Kitayama, S&R, Marketplace, Wet Market)
- Grab Food / Delivery Services: 20K
- Dining Out, Drinks, Coffee: 25K
- Live-out Helper: 8K
- Fuel / Tolls: 6K (Don't drive a lot, just errands and occasional trips)
- Health Insurance: 30K (Comprehensive for two)
- Car Insurance: 5K
- Misc: 10K
Total burn: 294K PHP / mo or around $5K USD
To be clear, this is just reproducing our life back in Los Angeles, and not extravagance.
When people claim they 'live like a king on 1,500' what does that actually look like? Are you all crammed into 28 sqm studios in Quezon City with a window type AC rattling on your face, eating street food, and taking tricycles through gridlock?
Where are you cutting costs without ruining your baseline comfort?
Where's the disconnect?