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John Dean

Cost of living in Thailand

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I plan to retire soon to Thailand. Can I please get some info on the cost to live comfortably in Bkk, Pattaya, Phuket or Chiangmai? My pension is around 65,000 baht a month and I have nest egg.

 

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It's always great to read about guys enjoying their life in Thailand...comfortably... for 65k baht...or less a month...but what happens if you get sick...or get hit by a motorbike going the wrong way on a one way street...or drop a weight in the gym and break your foot...shit happens...especially in Thailand.

 

A lowball budget that does not include a health care plan can result in a "nest egg" gone...or a ticket back home....or worse.

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...but what happens if 

 

I can only speak for myself, but I prefer to always be increasing my savings rather than draining it.  I maintain my monthly living expenses as a percentage of my income where I am still able to put money away.  In addition to savings it is always smart to have an emergency fund, especially when living in a foreign country.  

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There are people living on 65,000 baht a month and less! In the U.K !

 

Everybody is different and live differently...

 

Obviously health insurance is a must as far as I'm concerned, hopefully 3 or 4 years and I can retire. I wil probably spend about 6 months a year in Thailand then. For me and most I'm guessing! As we get older we drink less and party less...th most expensive stuff in Thai is accommodation booze and the girls!

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I can only speak for myself, but I prefer to always be increasing my savings rather than draining it.  I maintain my monthly living expenses as a percentage of my income where I am still able to put money away.  In addition to savings it is always smart to have an emergency fund, especially when living in a foreign country.  

Saving for what??? The after life????

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I spend about 40,000 baht a month including visa runs. I own my condo so no rent, (if I was going to rent a similar place to the condo I own it would cost me about 12000 baht a month). I run a car and motorbike that I own outright. I only go out to bars couple of times a week and I am not a big drinker. I have several hobbies away from the bar scene. I speak enough Thai to socialize with Thai's as well as expats.

 

I visit BKK quite often but when I am there I stay with my LB-gf's family place or with a good friend who has a big place on Asoke, so BKK visits only really cost me the petrol money and Motorway toll's, however I normally end up spending slightly more on food and going clubbing when in BKK than when in Pattaya.

 

I have a good internet connection in my condo and can watch UK and US tv online and play my xbox etc some nights.

 

I have everything else I need in my place, 2 LED TV's, washing machine, good sound system, a comfy big L-shape sofa, a good quality mattress, 2 aircon units etc. My first year here I spent more kitting out my condo, buying my car and bike etc so bare this in mind.

 

I belong to a decent air conditioned gym and spend a couple of hours in there every other day. The membership there is 7500 baht per year.

 

I don't use aircon that much because I get a decent sea breeze in my condo and I actually hate the cold so my electric bill is normally only around 500 baht a month. My water bill is normally around 200 baht. My internet bill is about 600 baht and my mobile phone including the 4G package is about 350 baht.

 

I am below retirement age so I have to go on a visa run every 90 days, so if you are over 50 you can get a retirement visa you won't need that expense.

 

I will say I almost never pay for sex. I am dating an LB is a fairly open relationship, she stays with me sometimes, I don't 'sponsor' her but I normally pay when we go out together. (although sometimes she surprises me and pays the bill for food or buys me clothes etc) I have a few other LB friends/giks and who I can see when my main GF is busy doing her things. Speaking a bit of Thai and keeping in shape helps with that. If you need to pay for a girl a couple of times a week or want a 'salary gf' you would need to factor that in. An older friend of mine lives with a tidy looking LB in BKK and gives her about 12,000 a month.

 

I like Thai food and can eat the same as Thai people most of the time, but I do have a Sunday roast, Pizza or a decent steak sometimes. I also use gym supplements which I included in my budget.

 

I do not live on 40,000 baht a month because I have to, I have some income steams mostly from my home country that gives me about 90,000 baht a month depending on the exchange rate, I just don't feel the need to spend more, and I like have money over if I need to buy myself something like a new laptop, mobile phone or a few days away on the islands or a road trip somewhere, however most months I manage to save over half of my income.

 

I go to visit my home country once a year and I have not included the cost of that trip in my budget but I have included everything else.

 

The people who say you need 100,000 baht a month to live here IMO are living a very lavish lifestyle in a big house or cannot say no to supporting girls and/or LB's or are eating and drinking themselves to death.

Thanks for the info. I didn't see but assume you live in Pattaya? A 1 bedroom apartment would be great for me. A few beers in a bar some nights and a bottle of vodka in apt. And I am set. A LB a couple times a week, ok, maybe 5 times a week will be my biggest expense.

 

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It depends. How well can you adapt? How many western comforts do you require? I have what I consider a great apartment in Chiang Mai. It costs 3000b per month (last month was 3384b all included). Just as an example it is 24sqm with aircon, fan, fridge. All appliances were replaced in 2013. Some people would insult a place like that but I love it. It is clean with excellent natural lighting and big windows. There are Thai style places much cheaper and obviously the sky is the limit for housing.

 

If you can eat Thai food you could spend under 100b per day on food. If you need western food you will spend 300b and up per day on food.

 

Will you buy a motorbike? Do you like to walk? The location of your room plays a big part in transportation costs. If you are near the baht bus it can save you money in Pattaya.

 

What about alcohol? Do you drink regularly? If so, where and how much? If I grab a bottle of lao kao and mixer I can get loaded for a couple days for under 100b. If you want to drink at the girl bars a single beer is around that price.

 

What will you spend your days doing? Gym? Maybe your condo will have on included. Girls? This is the big expense.

 

I have seen farang spend as little as 10,000b per month, I can spend 20,000b a month comfortably. That is with a gym membership, some western food, and some beer but not overdoing it. That price includes a couple short times but mostly you will need to get girls for free.

 

With more money for me personally I keep all the expenses the same and just increase the girls. So 40,000b would be a girl almost every day.

 

Really you will need to come here and find out what is good for you. You can be as cheap or as generous as you want.

How do you like Chiangmai compared to BKK or Pattaya? I have been to both but have not been to Chiangmai.

 

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Thanks for the info. I didn't see but assume you live in Pattaya? A 1 bedroom apartment would be great for me. A few beers in a bar some nights and a bottle of vodka in apt. And I am set. A LB a couple times a week, ok, maybe 5 times a week will be my biggest expense.

 

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If that is all you want, then yes, 65,000 baht will be ample. Not sure how long you will be happy doing that, won't you get bored?

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If that is all you want, then yes, 65,000 baht will be ample. Not sure how long you will be happy doing that, won't you get bored?

If in Pattaya or BKK I have had lots of fun having a few pints in the bars and some foot and oil massage. Love chatting with the local folk. What do you do for fun if not at bars or having discrete fun?

 

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If in Pattaya or BKK I have had lots of fun having a few pints in the bars and some foot and oil massage. Love chatting with the local folk. What do you do for fun if not at bars or having discrete fun?

 

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I play golf.

 

What's the longest time you have spent in Thailand in one trip? I'm not knocking you, we are all different.

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