Every new arrival wants to know if they can survive or live well in Thailand on X thousand baht a month?
It's a difficult question because each person has different needs. However, the following surveys and figures are from teachers actually working here! How much do they earn and what do they spend their money on?. And after each case study, I've added comments of my own.
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Eddie
Working in Bangkok
Monthly Earnings 110,000
Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)
I work at an international school and my take-home pay is around 110K a month, which includes a housing allowance and end-of-year bonus. I also get a return air-fare once a year, which comes in handy for the annual family visit.
Q2. How much money can you save each month?
The answer is as much as I can, because I'm 35 now and have no intention of working past 55. If things go well, I might retire even sooner. I try and send back at least 50K a month to the UK because banks over there are offering pretty attractive interest rates these days if you're willing to tie up your money for several years.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
I pay 10,000 a month for a one-bed condo in the Bangkok suburbs. It's nothing special and it's a fairly old building with only the basic facilities but I get on well with the staff and I've never felt any reason to move. I don't want to spend any more than 20% of my remaining salary anyway. As long as I've got my comforts like a decent TV, a nice fridge, etc and the neighbours aren't too noisy, that's really all I'm looking for.
Q4. What do you spend a month on the following things?
Transportation
I use motorbike taxis and the skytrain/metro and this comes to around 1,500 a month I guess.
Utility bills
Usually around 2,000 baht depending on how hot the weather is and how much I need to turn the air-condition on. It's always nice to get April and May out of the way isn't it? I thought it was particularly hot this year.
Food - both restaurants and supermarket shopping
I'm very much a single guy so there's only me to take care of. I do have a lady friend who I see at the weekends and we'll go out and eat together but generally, she's very good about paying when it's her turn (she earns nearly as much as I do so why not?) I get school lunches provided, I usually skip breakfast, so most days of the week there's only an evening meal to find and I rarely pay above 100 baht a time for that, including a soft drink. Even with supermarket and 7-11 shopping, I bet the total spend doesn't break 8,000 baht a month.
Nightlife and drinking
I got bored of the nightlife scene ages ago. I'll have a Friday or Saturday night out maybe twice a month but it's never anything too heavy. Let's say 4,000 a month tops and I'm always in bed by midnight.
Books, computers
I do enjoy reading and I download stuff from Amazon and pick up second-hand reads from various bookshops. It probably averages out around 2,000 a month.
Q5. How would you summarize your standard of living in one sentence?
I'm perfectly happy with it. I'm simply not a great drinker or socializer and if you're neither of those, that monthly pay packet will stretch much further. One section I think you should include in these surveys is travel because most of my spare cash goes on travelling in Thailand. It's a huge country and over the past ten years, I've got to see well over half of its 77 provinces. Which probably leads me nicely to....
Q6. What do you consider to be a real 'bargain' here?
Everything associated with domestic travel. Long distance bus and train fares are an absolute steal if you've got the time on your hands, and in most cities outside of the obvious tourist destinations, you can get cracking hotel rooms for less than a thousand baht a night. One thing we do get at my school is a generous amount of time off and as soon as I see the chance to take off for a few days, I grab it with both hands. I've already got four trips planned in the the rest of this year.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
In Bangkok? If I wasn't desperately trying to save as much money as possible for my hopefully early retirement, I would say 50K at a pinch. But I think you could put 50% on top of that if you were a serious night owl. Nearly every fellow teacher, every foreigner I know, who struggles with money and barely has a pot to piss in in the week leading up to pay day, drinks too much.
Phil's analysis and comment
Thanks Eddie. Yes, I've been investigating those UK bank account interest rates myself and couldn't resist a slice of the action. Smart move indeed. And although 110K is a very decent salary, why fritter it away when you're simply not a party animal and prefer quiet nights in with a good book? Keep stashing it away son, because take it from me, you'll be well into your fifties before you know it. And that's when you'll start reaping the rewards and be able to spend your golden years travelling even more!
Barry
Working in Bangkok
Monthly Earnings 75,000
Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)
I work at a private secondary school in central Bangkok and my full-time salary (about 18 contact hours a week) is 75,000 baht. I've worked at the school for four years. I do get the option to earn extra income doing Summer camps or special programs outside of the normal English program but I tend to leave that to the more 'money-hungry' members of the teaching staff. I value my free time more.
Q2. How much money can you save each month?
Never as much as I would like to. In a good month, I might manage around 15,000 baht.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
I live in one of those one-bedroom condos where the designers somehow manage to squeeze a kitchen, bedroom and living room into thirty square meters. I actually rent it from a friend who bought it as an investment last year and I pay him 10,000 baht a month plus bills. I've checked the property portals and the same size apartments in the same building rent out for at least 15,000 baht a month. It's a win-win situation; I get a great deal on the rent because the owner is a good friend and he gets someone he can trust to live in the place.
Q4. What do you spend a month on the following things?
Transportation
I can almost reach out and touch the skytrain station from my balcony and with the ever-expanding skytrain network, you can go anywhere in Bangkok these days. I can't remember the last time I had to take a taxi. My school is about three minutes walk from a station so I probably spend about 1,500 on fares every month. I've long thought about buying a car in Bangkok but honestly, it just never feels worth the hassle.
Utility bills
Gas, electric and water come to about 4,000 baht a month. I'm at home a lot and the air-conditioning is always on if I'm in. Visitors often come into my apartment and comment on how cold it is. I just like it that way. It's probably another thousand a month for Netflix, a decent phone plan and all that stuff.
Food - both restaurants and supermarket shopping
I try to eat healthy and cook at home as much as I can. I'm really not that keen on eating out because it just seems to get more and more expensive. I've got a fantastic little fresh market, which I go to a couple of times a week to pick up my meat, fruit and veg and juices. All the sellers know me and know what I like to buy. I would say my food bill rarely breaks 8,000 a month. I resist impulse buys at 7-11 and I've pretty much cut out chocolate and fizzy drinks, etc.
Nightlife and drinking
Quality craft beers and ciders are my weakness and I probably spend 4,000 a month on just alcohol to drink at home. I'll also hit the bars a couple of nights a week and I bet that's another 15,000 a month right there. Most night I'll stay home and entertain myself with Netflix or something, but it's no good being cooped up all the time. All work and no play make Jack a dull boy.
Books, computers
Not really an expense. I used to play computer games but just grew bored of them. And I've never really been an avid reader.
Q5. How would you summarize your standard of living in one sentence?
When you weigh up foreigner lifestyles and standards of living in Bangkok, I consider myself at the 'bottom end of the middle-class' if that makes sense. 75K is enough to do what I want, but only up to an extent. I still have to check menu prices in restaurants and I can't afford to pay for 5,000 baht a night accommodation if I go away for the weekend. Bangkok is not an expensive city to live in but I wouldn't call it cheap either, certainly if you stray into the high-end supermarkets and the better shopping malls.
Q6. What do you consider to be a real 'bargain' here?
Shopping at the local markets. You can save a packet by going there instead of the supermarkets... and you're supporting local traders.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
In Bangkok, 60K would be my absolute rock-bottom minimum salary. Anything less than that is impossible in my book. To those teachers surviving on 30-50K, I salute you. I genuinely don't know how you do it.
Phil's analysis and comment
Thanks Barry. That's an excellent deal you've got on the rent and it sounds like a good arrangement. I've banged on for years about always renting the best apartment you can afford because it means you'll enjoy being at home, and you're less likely to want to go out in the evening. That's when the spending can really mount up.
Hektor
Working in Bangkok
Monthly Earnings 65,000
Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)
I make 50,000 baht a month from my full-time job at a college in Bangkok, where I teach maths and science. I also do a corporate job at a company near my apartment a couple of nights a week and a little bit of online teaching but that's only for a few hours at the weekend. 65,000 would be the top end of what I can make at the moment. During quieter months of the year, it might drop to around 60K.
Q2. How much money can you save each month?
I try to save 10-15K whenever I can. Sometimes it might be a bit more.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
I live in a studio apartment that's more or less covered by my housing allowance of 8,000 baht a month. I only have to pay for utility bills. It's a relatively small room but I've turned it into my bachelor pad and it has great views over the city from the 20th floor.
Q4. What do you spend a month on the following things?
Transportation
I have a large motorcycle but I ride it less and less these days after I had a bad accident last year and ended up in hospital for several days with a few minor injuries (although they didn't feel minor at the time) If I take public transport, then motorcycle taxis and a short skytrain ride will cost me 120 baht a day so let's say 2,500 a month for transportation.
Utility bills
About 2,000 baht a month if the weather is particularly hot and I have to run the air-conditioning more often.
Food - both restaurants and supermarket shopping
I had a minor health scare at the beginning of this year and discovered I had high blood pressure and a few other ailments that need to be regulated and kept in check. For that reason, I'm trying to eat as healthy as possible. I've cut out fast food (which I used to eat far to often) and trying to stick to a diet of brown rice, fruit and vegetables and Thai soups. I can tell you this - it does wonders for your spending when you can keep away from McDonalds and KFC. I've lost a lot of weight and my monthly food budget is down to around 7,000 a month.
Nightlife and drinking
I've cut out alcohol completely. In truth I wasn't much of a
drinker anyway and I got bored of the Bangkok nightlife a long time ago. I have a sort of on/off girlfriend that I meet once a week for a meal and I'll sometimes go out with colleagues on a Friday night to a jazz pub or something similar. Drinks are often expensive in these places so I'd put a figure of around 8,000 a month on this.
Books, computers
I do like my gadgets and gaming. I've always got to have the latest smartphone and gaming console, but it's difficult to say what this costs because a phone can last me 2-3 years and the latest game machine even longer.
Q5. How would you summarize your standard of living in one sentence?
It's pretty good. I'm in my early 40s now and I've cut down on my nights out and excessive eating and speeding around on my motorbike. I live a much more sedate lifestyle now that I'm more responsible and want to take better care of myself. These days I would rather stay at home and watch Netflix or maybe prepare the following day's lessons.
Q6. What do you consider to be a real 'bargain' here?
Food at the local market can be crazy cheap and I genuinely think it's often better quality than what you find in the high-end supermarkets.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
It totally depends on the individual. I could survive in Bangkok on 40K but it wouldn't be that much fun. Come to think of it, I survive on not much more than that now. You will always find ways to spend money, regardless of how much you earn. The secret for me is to do everything in moderation and not be fooled into thinking you are going short just because you are not out partying every night.
Phil's analysis and comment
Hektor sounds like a sensible chap and a moderate 65K income (can we call that moderate now for Bangkok?) seems like more than enough. Take care of your health, sir.
Please send us your cost of living surveys. We would love to hear from you! This is one of the most popular parts of the Ajarn website and these surveys help and inspire a lot of other teachers. Just click the link at the top of the page where it says 'Submit your own Cost of Living survey' or click here.
Faisal
Working in Ratchaburi
Monthly Earnings 25,000
Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)
I teach at a big government school on the outskirts of Ratchaburi town. My full-time salary is 22,000 baht a month but I can increase that to 25,000 almost every month with some extra tutoring. For my full-time salary I teach from Monday to Friday and have 18 contact hours.
Q2. How much money can you save each month?
I try to save 5,000 - 10,000 baht a month to keep in the bank but sometimes I have a large expense. This month I needed a new fan and a kettle. That was 1,500 baht gone in the blink of my eye.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
My school provides an apartment in a building just five minutes walk away. It's just a small studio with a balcony but comfortable for one person. The rent is 4,000 baht a month and the school pays half of that amount.
Q4. What do you spend a month on the following things?
Transportation
Nothing because I can walk to school. I don't really have any other option because I don't live on one of the regular songthaew routes and there are no motorbike taxis around me.
Utility bills
My electricity and water bills come to around 1,000 a month but I have to pay that myself. I have aircon but the unit is very old and I think it would be expensive to run so I don't switch it on much. The weather has been boiling got this last month though so I had to run it for a couple of hours to survive.
Food - both restaurants and supermarket shopping
I get breakfast and lunch provided at school so I only have to buy an evening meal. I usually pick up something from the street or in the market. There is a fantastic selection of food sellers that set up each night in front of the school to catch the kids as they go home and you can pick up meat on a stick for 5 baht, which goes well with sticky rice.
Nightlife and drinking
I don't drink it all. If I go out in the evening, it will be just a walk along the river and perhaps an ice cream or some other snack.
Books, computers
Nothing.
Q5. How would you summarize your standard of living in one sentence?
It's very basic and I know that as a non-native English speaker my salary is not that much but I only recently finished university and this is my first job. I really love teaching and love my students so the money doesn't matter so much at this time in my life if you know what I mean.
Q6. What do you consider to be a real 'bargain' here?
Food is very good value here and if you are not a night bird and can stay away from the alcohol and other temptations, then you will not need to spend much money.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
I can survive on 15,000 a month at the moment. That works out at 500 baht a day and it's surprising how that stretches when your food costs just 30 baht and your coffee is 20 baht, etc.
Phil's analysis and comment
Thank you Faisal. It's good to hear from the non-NES section of the teacher market, which is of course generally lower paid. It's good to hear that you can still live relatively comfortably. We would like to hear from more teachers in this wage bracket. What about the thousands of Filipinos working here? By doing one of these surveys, you would be helping thousands of other Filipinos who want to come and teach here - but we rarely / never hear from you.
Colin
Working in Surin
Monthly Earnings 40,000
Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)
I work at one of Surin Province's larger government schools and 40,000 baht a month is my full-time salary. It used to be 35K a month but I've just had a pay-rise for completing my first 12-month contract. I take part in a number of school activities outside normal school hours but I never receive any compensation for that time, nor do I really expect to. Sometimes a school sees the loyal foreign teacher as part of the Thai family I suppose.
Q2. How much money can you save each month?
On a good month, I can easily save half of my salary. There is very little to spend your money on up here. My motto has always been 'live within your means' so I never spend more than the salary I earn - even if I'm feeling flush.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
I pay 3,000 baht a month for a studio apartment in a fairly low-end apartment building, which are common in this part of Thailand. I have a bed, a wardrobe and a table and that's really it as far as furniture is concerned. The toilet is the Thai squat-style and I take showers in cold water but that's fine except maybe in the cool season for a few weeks.
All six of the foreign teachers who work at my school live here and in the evening we sit outside, usually joined by a few of the Thai residents as well. We'll order a few bottles of beer and someone will run off to get a bag of 'moo ping' and we'll just sit around practicing our Thai and enjoying what is a very simple but fulfilling lifestyle. It's the kind of lifestyle I came to Thailand for. My primary objective was always to escape the hurly burly of city life.
Q4. What do you spend a month on the following things?
Transportation
I ride a bicycle to school so that costs me nothing. I sometimes take the train into Buriram or perhaps a bit further afield, but as anyone who has travelled by third class train in Thailand will tell you, the tickets are ludicrously cheap!
Utility bills
Water and electricity come to barely a thousand baht. Believe it or not, I do have an air-con unit in my room, but it's never on for more than 2-3 hours a day. I tend to use it to cool down the room before I go to sleep and for 30 minutes while I'm getting ready for work in the morning.
Food - both restaurants and supermarket shopping
Most of my meals are bought from footpath vendors (usually about 25 baht a portion) and I eat lunch at school. I generally skip breakfast, but I'm not a big eater anyway. I also avoid 7-11s if I can because there is too much temptation to 'impulse buy'. My monthly food bill is probably around 5,000 baht a month.
Nightlife and drinking
This is Surin, so most of what's available tends to be a Thai scene and I keep away from Thai men that have had too much to drink. That's not to say foreigners aren't welcome but I never really enjoyed nights out at Thai pubs. I prefer to sit around and drink in front of the apartment building.
Books, computers
I have a laptop and the normal internet / phone plan, which I think comes to around 500 baht a month. I'm not much of a reader.
Q5. How would you summarize your standard of living in one sentence?
A very basic standard of living is all I strive for and it's very easily achievable if you move to the North East. I look for a life that's both minimalist and uncomplicated. Having lots of possessions, the latest smartphone, top of the range trainers and a circle of rich friends just doesn't interest me. Not one iota.
Q6. What do you consider to be a real 'bargain' here?
Third class train fares and street food.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
I can survive comfortably on 30K a month (even less) but I appreciate my lifestyle certainly isn't for everyone. In fact, it's probably not for most foreign teachers. But I've lived this way for a year and a half now and I haven't got bored of it yet.
Phil's analysis and comment
Wow! Thanks Col. I think your survey is about as 'rural foreign teacher living the simple life' as we've ever had. But as long as you're happy - and you clearly are - then that's all that matters. I remember one of my very first apartments in Bangkok back in the early 90s and a situation very similar to yours. A whole gang of us (Thais and foreigners) would congregate in front of the building in the evening for some drink and banter. Great times!
Showing 5 Cost of Living surveys out of 430 total
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