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Full Cost Of Living Alone Philippines Breakdown

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    Whether you are a local looking to live on your own for the first time or a foreign visitor coming to the Philippines, one question you may have is – what is the overall cost of living alone in the Philippines? In today’s article, we will examine the full cost of living alone in the Philippines, unexpected costs of independent living, and how to reduce your costs of living alone in the Philippines.

    Cost Of Living Alone In The Philippines As A Local

    The cost of living alone in the Philippines as a local Filipino and a foreign visitor is slightly different. we will examine the cost of living in the Philippines as a Filipino

    Living alone in the Philippines can vary depending on your expenses, location, unexpected emergencies, and much more. Below is a list of living expenses that will need to be considered when calculating your cost of living alone in the Philippines.

    • Accommodation Costs (Rent, Loans, Dues, Tax)
    • Bills ( Electric Costs, Cell Phone Bills, Internet Bills, Gym)
    • Business Items (Laptops, Grammarly Pro)
    • Childcare/Petcare – If Applicable
    • Debt (Student Loans, Debt, Credit Card Bills)
    • Fun And Entertainment (Days Out, Tours)
    • Insurances (Health, Life, Emergency Insurances)
    • Nutrition Costs (Street Foods, Beers, Fine Dining, Takeaways)
    • Other (Retirement, Emergency Funds, Investment, Savings)
    • Personal Items (Clothing, Hygiene Products)
    • Transportation Costs (Taxi, Jeepney, Train, Private Car & Gasoline)

    So now we know the living expenses in the Philippines; let’s take a closer look at these expenses and how much you would likely spend. Please note these are based on a 30-day expense and may differ from person the person and location to location.

    • Accommodation Costs = P9,000
    • Bills = P3,500
    • Business Items = P1,000
    • Childcare/Petcare = P800
    • Debt = P500
    • Fun And Entertainment = P2,000
    • Insurances = P2,000
    • Nutrition Costs = P9,000
    • Other = P1,000
    • Personal Items = P4,000
    • Transportation Costs = P1,500
    • TOTAL = P33,000

    Not every expense is the same from person to person. The cost of living alone can be as low as P15,000 or as high as P40,000, depending on the location and personal expenses. The cost of living alone in the Philippines is much lower in the smaller cities and provinces than in the largest cities and the metropolitan areas of the Philippines.

    Cost Of Living Alone In The Philippines As A Foreigner

    The cost of living alone in the Philippines as a foreigner is, on average, slightly more expensive than a Filipino. Many foreigners like to enjoy life to the fullest, and many who live in the Philippines are retirees with a higher level of disposable income. Having said this, foreigners can live in the Philippines the same as locals (financially speaking).

    The cost of living alone in the Philippines as a foreigner will be $1200 at the low end of the scale and $1750 at the high end. This is based on the latest research, calculations, and feedback from long-term expat residents. Nevertheless, the cost of living alone as a foreigner in the Philippines can be higher or lower depending on your lifestyle and the area you wish to live in.

    Makati is a beautiful and popular city in Manila; however, it is also one of the most expensive places in the Philippines. However, the Davao region offers a much lower cost of living, and you may find you can save up to 30% of living costs when comparing the Davao region to Makati.

    Similar to living alone in the Philippines as a local, expat residents need to be aware of the unexpected costs of living in the Philippines, so let’s take a look at these areas in more detail.

    Biggest Expenses Living In The Philippines

    When living alone in the Philippines, you will find that several expenses take up more of your budget than others. So with this being said, what are the biggest expenses living in the Philippines, and what do you need to know?

    The biggest expense in the Philippines for most is accommodation. Whether you decide to rent or get a home loan to purchase an apartment, you will find that accommodation costs take a large part of your budget. Some individuals who live alone find that the accommodation costs can total up to 40% or more!

    Food costs are unique as food is often used for satisfaction rather than as fuel. Sugar has also been discussed a lot, and we now know the damaging effects sugar and other foods can have on the human body. For some, it’s very easy to pick up a bad habit that can become expensive. For example, a coffee every morning may not seem like a lot of money, but it can soon add up.

    One living expense you may wish to investigate when living alone in the Philippines is electricity prices. In recent years electricity prices in some areas have decreased; however, the Philippines remains the second most expensive country in South East Asia for electricity prices. Nevertheless, there are several ways to reduce electricity prices in the Philippines to save you many pesos.

    Unexpected Costs Of Living Alone In The Philippines

    There are many unexpected costs when living alone, which is a natural part of life. But what are these unexpected costs, and how can you combat their damaging effects? Unnecessary living costs in the Philippines include health problems, reduced income, damaged vehicles, and family emergencies.

    Combating these unexpected expenses is not easy, but the most effective way to deal with these unexpected costs is to make sure they never happen in the first place.

    For example, insurance coverage can help you with unexpected health problems, extra income ideas can help you when your salary is reduced, car insurance can help you with vehicle damage, and family emergencies can be supported by building an emergency fund and calculated decisions.

    One of the biggest tips when living alone in the Philippines is to ensure that you have safety. This is safety both physically and in finances. For instance, choosing a secure condominium unit and living below your means is very wise when living on your own for the first time in the Philippines.

    How To Reduce Costs Of Living Alone In The Philippines

    One of the most straightforward ways to reduce your cost of living alone in the Philippines is to live below your means as much as you comfortably can. This may mean that you pick up new habits. But the good news is these new habits can make you happier and healthier and save you money along the way.

    For example, giving up sugar cravings such as chocolate and desserts has been shown to impact mental health positively. These food groups can also be expensive, so you may find that your food costs are reduced, which results in general savings in your overall living expenses.

    However, here is a secret tip for me. Many people that look to reduce the cost of living in the Philippines have the mindset of saving as much money as possible. This is what is needed; however, a different perspective is to look at it through the eyes of gain…

    Previously we have spoken about online businesses, modern business ideas, and freelancing opportunities in the Philippines. These are fantastic options to increase your income and give you more flexibility with your overall cost of living.

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    Cost Of Living Alone Philippines