Once you hit your mid sixties, health insurance in the Philippines becomes unaffordable, at least insurance that will actually cover major medical. Hospitalization and health care are much more reasonable in the Philippines than in the US so a smart expat would bank a little $$ each month to cover those expenses and self insure. If you are an expat that already has health issues or concerns, STAY IN THE US.
@@vgwalldecals Agee 💯% I have military medical, pay out of pocket and hope to be reimbursed. Always have medical funds available. Great comment, appreciate it. Take care
I think those videos got the wrong name, they should be monthly expense videos. They are showing what people spend per month. Budget videos are setting a certain dollar amount per category and seeing if you stayed within that budget or not. Most have more money than what they are spending each month. I also think there are expense videos that are very well done by showing all categories while others leave out a lot and making it seem that what they had shown is all they spend. I like them, but of course you have to realize where the person is living, what they chose to rent, etc., however it does provide a good insight on what someone "could" expect to spend each month.
The vast majority of budget videos can be compared to wages in the same area & seen to be absurd. 100k peso a month is a very high end management wage.
It's hard to believe how screwed up that beach has become since it's been commercialized. I remember going there when you could only get there by boat... it was much more peaceful and relaxing just 10 short years ago.
I’m sure, it’s a mess-trash-people not respecting the area. They have trash cans and still people just throw it on the ground. 😢 SAD… It has some very nice qualities, staff needs to step it up and get to cleaning.
I think because they are very helpful. If the viewers take it that the video they are watching is exactly what their expenses will be are sadly mistaken. I liked them before I came because it gave me a good idea of what expenses actually are. I watched many and sure, everyone is different but it is still valuable information.
Yes everyone has different ideas about budgets. My monthly budget for renting a house in large subdivision of $1200. Which includes food budget of $500 for my gf of 7 years. Then there other things to spend money on. I don't own a car or motorcycle. Prefer to live in cities for medical.
Absolutely. My rent in a gated neighborhood 4bdrm is $1023 US a month. Groceries at least $800 a month. Utilities with aircon 24/7 $600. Entertainment $2000
@@jimcunningham61 They can’t or refuse to just live a simple life. Bringing the past spending habits to the future doesn’t sound relaxing. Glad you found your rhythm. Take care
I am living further up north and I am married and our third kid will be here in 6 weeks and we spend 170K PHP a month. Our rent is 16k php a month and electric is between 15-18k php a month. We could live off much less but that’s the budget that we’ve been at over the past three years.
@@retiredcryptohunter9031 You have a comfortable budget for you and growing family. Budget videos help but it always goes back to individual needs and wants. Thank you for your input. Take care
@ our budget should be a lot less by next year because we’ve purchased almost all of the stuff we need for our home and we were spending a lot since we started off with nothing. I also agree with you about the car situation. I purchased a new Hilux Conquest a little over two years ago for $25k USD and it would have cost me around $40k USD in the U.S. I am still making payments on the Hilux but the loan is through Navy Federal Credit Union so the payments come out of my U.S. budget so obviously it would make my budget either go up here or I would be forced to spend less. Once I get my debts in the U.S. paid off our plan is to send more money here and put anything over 150K php into saving for a lot and to build our own house
Exactly as I stated, everyone is different. Everyone has different needs and wants. To be honest I moved here to get away from a lot of western culture. Appreciate your comment. Take care
I'm in Thailand but my opinion is a guy that managed his money well in the West will be fine. Guys that used CC's and had trouble managing their budget in the West will likely have issues in the East. I knows guys doing well on 7-800usd and I know guys running out of money every month on twice that.
Yep, boots on the ground is the best way to figure out what your budget will be. But, UA-cam is actually a good way to work the numbers before heading out. Why? Because of exactly what you talked about in this vlog. Everyone is different, and you can't use someone else's numbers, if you have no clue as to where they live, how they live, what they spend on, do they drink & smoke, are they married, etc. Via UA-cam, you can get a pretty good idea of each vlogger's lifestyle - which is something you just cannot do when looking at cost-of-living numbers from a spreadsheet, a travel article, an old-fashioined blog, or a Facebook group. However, it is necessary to watch cost-of-living vlogs from as many UA-camrs as possible, as well as several day-in-the-life vlogs from each UA-camr - which does take a lot of time. Watching only the cost-of-living vlog from a single UA-camr is pretty useless, since only some of his/her numbers will apply to your own situation and, without a lifestyle context, you won't know which numbers to use, which ones to ignore, and which ones need to be tweaked. Anyhow.... that is why I find personal life vlogs like yours to be useful & informative, as well as entertaining. :) Just my opinion. Have a great day!
@@michaeltakayama8415 Absolutely, I watched a lot of videos prior to moving permanently to the Philippines. My budget is perfect for us and so different than what I was hearing/watching. Great comments. Appreciate your input. Take care
Fortunately we live on the west side of the island. Western Samar-Calbayog city. We get the rain but not the damage. Appreciate your comment. Take care
![Lp. Сердце Вселенной #60 РОЖДЕНИЕ ЛОЛОЛОШКИ [Финал] • Майнкрафт](http://i.ytimg.com/vi/YoR0pAV9FVQ/mqdefault.jpg)
"If you cheat to win, you've already lost."
"Never lie. Never cheat. Never steal.
-Jim Harbaugh
Once you hit your mid sixties, health insurance in the Philippines becomes unaffordable, at least insurance that will actually cover major medical. Hospitalization and health care are much more reasonable in the Philippines than in the US so a smart expat would bank a little $$ each month to cover those expenses and self insure. If you are an expat that already has health issues or concerns, STAY IN THE US.
@@vgwalldecals
Agee 💯%
I have military medical, pay out of pocket and hope to be reimbursed.
Always have medical funds available.
Great comment, appreciate it.
Take care
Agree. Boots on the ground in the Philippines is the only way to learn. Congratulations to both of you in buying a new car. You both have earned it.
@@BarrioRunner
Thank you.
Appreciate your comment.
Take care
I think those videos got the wrong name, they should be monthly expense videos. They are showing what people spend per month. Budget videos are setting a certain dollar amount per category and seeing if you stayed within that budget or not. Most have more money than what they are spending each month. I also think there are expense videos that are very well done by showing all categories while others leave out a lot and making it seem that what they had shown is all they spend. I like them, but of course you have to realize where the person is living, what they chose to rent, etc., however it does provide a good insight on what someone "could" expect to spend each month.
Exactly
The vast majority of budget videos can be compared to wages in the same area & seen to be absurd. 100k peso a month is a very high end management wage.
It's hard to believe how screwed up that beach has become since it's been commercialized. I remember going there when you could only get there by boat... it was much more peaceful and relaxing just 10 short years ago.
I’m sure, it’s a mess-trash-people not respecting the area.
They have trash cans and still people just throw it on the ground. 😢 SAD…
It has some very nice qualities, staff needs to step it up and get to cleaning.
Your videos are insightful and it’s clear you found a wonderful wife.
Budgets are very subjective,no two are the same i dont know why vloggers do them,just figure it out on your own,good video.
@@JohnHobbs-o3z
Thanks John
Take care
I think because they are very helpful. If the viewers take it that the video they are watching is exactly what their expenses will be are sadly mistaken. I liked them before I came because it gave me a good idea of what expenses actually are. I watched many and sure, everyone is different but it is still valuable information.
@@kevink1214 I get your point.
Yes everyone has different ideas about budgets. My monthly budget for renting a house in large subdivision of $1200. Which includes food budget of $500 for my gf of 7 years. Then there other things to spend money on. I don't own a car or motorcycle. Prefer to live in cities for medical.
Absolutely. My rent in a gated neighborhood 4bdrm is $1023 US a month. Groceries at least $800 a month. Utilities with aircon 24/7 $600. Entertainment $2000
Yes respiratory issues are quite annoying in Calbayog not sure why there is more there than other areas
Glad it’s over. I’m not sure what’s going on in this area-2nd time thru this in 2 years.
Take care
I live a simple life here in the Philippines, live in a small condo and I can live 1200$ but many people can’t live like this
@@jimcunningham61
They can’t or refuse to just live a simple life. Bringing the past spending habits to the future doesn’t sound relaxing.
Glad you found your rhythm.
Take care
I am living further up north and I am married and our third kid will be here in 6 weeks and we spend 170K PHP a month. Our rent is 16k php a month and electric is between 15-18k php a month. We could live off much less but that’s the budget that we’ve been at over the past three years.
@@retiredcryptohunter9031
You have a comfortable budget for you and growing family. Budget videos help but it always goes back to individual needs and wants.
Thank you for your input.
Take care
@ our budget should be a lot less by next year because we’ve purchased almost all of the stuff we need for our home and we were spending a lot since we started off with nothing. I also agree with you about the car situation. I purchased a new Hilux Conquest a little over two years ago for $25k USD and it would have cost me around $40k USD in the U.S. I am still making payments on the Hilux but the loan is through Navy Federal Credit Union so the payments come out of my U.S. budget so obviously it would make my budget either go up here or I would be forced to spend less. Once I get my debts in the U.S. paid off our plan is to send more money here and put anything over 150K php into saving for a lot and to build our own house
@@retiredcryptohunter9031
Outstanding,
You are doing well, congrats on your soon to be third child. True blessing.
Take care
Great video thanks
Glad you enjoyed it.
Take care
I have zero problem spending $5000 US a month living here for a middle class western lifestyle
Exactly as I stated, everyone is different. Everyone has different needs and wants.
To be honest I moved here to get away from a lot of western culture.
Appreciate your comment.
Take care
I'm in Thailand but my opinion is a guy that managed his money well in the West will be fine. Guys that used CC's and had trouble managing their budget in the West will likely have issues in the East. I knows guys doing well on 7-800usd and I know guys running out of money every month on twice that.
Another great video and on point. Will go to phil in march the 1st time ever. It looks beautiful and quiet there. Wehre do you live?
Calbayog City, on the west side of Samar Island.
We love it here.
Take care
We are 800 meters from the coast. 15 minute walk down to the beach and look across the Gulf of Leyte to the island of Samar.
@@johncalder-gx4bf
Very nice, amazing place to live.
Another great video thanks Dave
Appreciate it.
Take care
Yep, boots on the ground is the best way to figure out what your budget will be.
But, UA-cam is actually a good way to work the numbers before heading out. Why? Because of exactly what you talked about in this vlog. Everyone is different, and you can't use someone else's numbers, if you have no clue as to where they live, how they live, what they spend on, do they drink & smoke, are they married, etc. Via UA-cam, you can get a pretty good idea of each vlogger's lifestyle - which is something you just cannot do when looking at cost-of-living numbers from a spreadsheet, a travel article, an old-fashioined blog, or a Facebook group.
However, it is necessary to watch cost-of-living vlogs from as many UA-camrs as possible, as well as several day-in-the-life vlogs from each UA-camr - which does take a lot of time. Watching only the cost-of-living vlog from a single UA-camr is pretty useless, since only some of his/her numbers will apply to your own situation and, without a lifestyle context, you won't know which numbers to use, which ones to ignore, and which ones need to be tweaked.
Anyhow.... that is why I find personal life vlogs like yours to be useful & informative, as well as entertaining. :)
Just my opinion. Have a great day!
@@michaeltakayama8415
Absolutely, I watched a lot of videos prior to moving permanently to the Philippines.
My budget is perfect for us and so different than what I was hearing/watching.
Great comments.
Appreciate your input.
Take care
Rice and beans Baby, If you can be a saver and have patients men will do better there than the west. Happy groundhog's day. LOL EH!
@@frontenacmechanical7807
Agree
It’s a learning curve for the better life.
Appreciate the comment
Take care
Hi Dave, My Filipino partner says your living in a major typhoon area.
Stay safe
Fortunately we live on the west side of the island. Western Samar-Calbayog city. We get the rain but not the damage.
Appreciate your comment.
Take care
We Are!!!! 😉
Do a cooking video on how to make oh no adobo with extra broken bones for us white guys
Budget? What budget? Money in--money out and hope you have something left at the end of the month. Enough said.
lol
😆
Always have plenty left over.
Appreciate the humor John.
Have a great week.
Take care