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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Approximate Thai Baht (฿) conversion rates as of 22nd April 2019

฿32 to one US Dollar
฿41 to one Pound Sterling
฿36 to one Euro
฿23 to one Australian Dollar
฿0.62 THB to one Philippine Peso

Dani

Working in Bangkok

Monthly Earnings 80,000

Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)

My full-time salary is 80,000 baht a month.

Q2. How much money can you save each month?

Maximum of 10,000 baht.

Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?

I pay 12,000 baht for a two-bedroom condo.

Q4. What do you spend a month on the following things?

Transportation

My journey to and from work costs 18 baht. At weekends I may spend up to 500 baht on taxis, and I’ll occasionally grab a taxi to or from work if it’s raining or I’m running late or feeling lazy. So, no more than 3,000 per month.

Utility bills

5,000 for TV, wifi, mobile phone, water and electricity. Water and electricity are both on government rate but I do use air-con constantly during the day and during the night for my pets.

Food - both restaurants and supermarket shopping

This is where it goes downhill - the food provided by my school isn’t as healthy as I’d like and I’d much prefer to use organic vegetables. I find shopping at markets very busy and stressful so I easily drop around 10,000 per month on food for the condo - probably more! I’d say I eat out once per week and with drinks and tips for the two of us, probably around 4,000 baht per month. So a total of 14,000 baht.

Nightlife and drinking

I rarely drink but when I do, I tend to go over the top. I go out maybe once per month but this night can cost up to 5,000.

Books, computers

My laptop I came over with is ticking over nicely and I only ever download free or cheap online books from Kindle.

Q5. How would you summarize your standard of living in one sentence?

Boring!

Q6. What do you consider to be a real 'bargain' here?

Taxis and rent!

Q7. In your opinion, how much money does anyone need to earn here in order to survive?

To survive? I just about survived on my previous job earning 40,000 a month, but I gained weight from eating school food and street food and I never had the money for travel. 80,000 is in my eyes, a livable salary.

Phil's analysis and comment

Be nice to know what you do each month with that money you are saving, Dani. By my reckoning, you barely spend half of your salary. Where's that spare half a million baht a year going? 


Come on! send us your cost of living surveys. We would love to hear from you! This is one of the 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.    


Christopher

Working in Bangkok

Monthly Earnings 55,000

Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)

I work full-time (five days a week including weekends) at a private kindergarten in Bangkok and my take-home pay is around 55,000 baht a month.

Q2. How much money can you save each month?

Not enough is the simple answer to that one. I returned to England last month for a two-week holiday and that wiped out virtually all I had saved over the previous 12 months.

Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?

I pay 13,000 baht a month for a one-bedroom apartment in a newish apartment building near to a sky-train station. I live alone so there is no one to share the bills with.

Q4. What do you spend a month on the following things?

Transportation

I take the sky-train to and from work every day and I might use taxis on my days off. I guess this comes to around 3,000 a month.

Utility bills

Electricity, water and phone, etc come to about 4,000 baht a month.

Food - both restaurants and supermarket shopping

This is the one expense that I would love to reduce / keep down but I just don't seem to be able to. I live in an area that's full of nice cafes and trendy Western restaurants so it's always tempting to just drop in to one of these places after work rather than cook at home. As a result I can easily drop 400 baht on an evening meal with a beer or two. Even more at weekends. When you factor in supermarket shopping (breakfast food, snacks, etc) I get through 15,000 baht a month on food and eating out very easily

Nightlife and drinking

The main 'problem' for me is that I drink with a crowd who all earn significantly more than I do. None of them are teachers by the way. They will think nothing of going out on a Friday and Saturday night and dropping a thousand baht in a Bangkok Britpub (and that's just a warm-up for whatever we do afterwards) Sometimes we'll go on to some trendy rooftop bar and it'll be goodbye to another thousand. I would say 'socializing in Bangkok' costs between 15,000 and 20,000.

Books, computers

I don't really bother much with that stuff.

Q5. How would you summarize your standard of living in one sentence?

When I did my research before coming to work here, I jumped at the offer of 55,000 baht a month for a full-time job. I read that many teachers were surviving on 30K so I was earning double that!

It feels to me as though Bangkok gets more and more expensive every week and while you can live OK on 55,000 baht, I feel that there's plenty I just can't afford to do.

I've tried to analyze where I could save money. For instance, I could move to a cheaper apartment and I have looked at many places over the past six months but paying even 5,000 baht a month less would mean a serious downgrade in my accommodation standards. I could save money by eating Thai food or cutting down on my nights out, but I work hard five days a week. If a guy can't have a couple of nights out with friends, then there seems to be little point to being here.

Q6. What do you consider to be a real 'bargain' here?

Taxi fares is the only thing that comes to mind. Everything else is on a par or just below the costs in other cities I've lived in. I've been quite shocked at how expensive Bangkok is if you strive to live at a certain level.

Q7. In your opinion, how much money does anyone need to earn here in order to survive?

I'm surviving now - on 55,000. To be really comfortable, even as a single guy, I would say you need to be aiming at 80,000-100,000.

Phil's analysis and comment

Interesting survey there Chris.  Firstly, I agree you 100% about Bangkok becoming more and more expensive.  As one pal of mine said on social media recently - "price-wise, what we are seeing now is Bangkok slowly but surely coming into line with other international cities"

One of the first things an old boss back in England said to me though, Chris - "you always have to live within your means". You're spending 15,000 (with bills) on accommodation, 15,000 baht on food and 20,000 baht on nights out. That's virtually your whole salary gone right there.  Nothing saved! It's a lifestyle that you simply can't sustain, tough though it is to admit. 

That's interesting what you say about having a circle of friends that all earn significantly more than you. It sounds quite stressful. It reminds me of when I earned a very basic teacher salary and I would get visitors come from overseas and meet up with them in the evenings after work. They didn't care about costs. They were on holiday with a big fat wallet riding on their hip.  I couldn't afford 200 baht a drink in some Thong Lor cocktail lounge (this was the early 90's by the way) but they thought nothing of it.  In the end, I had to break off contact with certain people just to avoid having to meet up with them.  I guess I could've pleaded poverty - but who wants to do that?


Come on! send us your cost of living surveys. We would love to hear from you! This is one of the 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.    


Tommy

Working in Central Bangkok

Monthly Earnings 140,000 baht a month.

Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)

I teach ESL full-time in a mid-range British International school in central Bangkok. My 140K salary is after tax and includes a 30K allowance for housing. Last year I supplemented this with small group IELTS / TOEIC / SATS lessons which paid at least 1,500 per hour and added an extra 30K. After a while I realised my daughter was growing up without me and stopped these classes. My 140K is enough.

Q2. How much money can you save each month?

Every paycheck I bank 50K. At the end of the month I add what is left in my current account. Last year this added up to 800K including a 13th month bonus paid in August. I used to save more when I was teaching extra lessons, but I rationalised that 800K per year is enough, and time with my daughter is more important. I was also spending money on a nanny whilst I was teaching these extra classes (I'm currently a single parent, hopefully not forever though!)

Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?

30K for a two-bedroom condo which is relatively central and close to work. I know I could pay less, but I'm saving on commuting (both in terms of money & time). The facilities are also lovely and the area feels safe and is full of restaurants. I looked at cheaper alternatives but felt like I would be moving from a family home into something more akin to a student flat.

Q4. What do you spend a month on the following things?

Transportation

Very little. I don't own a vehicle and can walk to work. Sometimes I'll use taxis or the BTS (which is within walking distance) on weekends but doubt that the grand total is more than 2,000 baht. I don't consider this to be a major expense.

Utility bills

Whilst my condo isn't cheap, they don't pad the electricity & water bills. My daughter uses the aircon whilst she sleeps, which keeps the meter ticking over, and usually leaves me with a monthly bill of about 2,000. The water bill is extremely cheap (usually in the tens of Baht!).

Food - both restaurants and supermarket shopping

I feel that I'm lucky here. My school provides morning snacks and a good lunch which both my daughter and I can eat for free (it's part of the 'package'). This means I only need to cover breakfast and dinner. Breakfast is usually cereal, which when bought in bulk, is reasonably priced. Dinner however is usually more expensive, but as it's the only meal of the day I pay for, I don't mind :-). This evening meal averages about 500 baht which probably means I'm spending about 20,000 a month on food, a number which increases during school holidays.

Nightlife and drinking

Very little. Although I'd like to share a few beers with friends in the pub once a week, the reality of single parenthood means I'm usually out no more than once a month. Whilst I have a regular maid / nanny who I trust, I don't want to put on her too much, nor do I want to be away from my daughter too often.

Books, computers

These are more irregular purchases. Some months I might buy two new smart phones, several books and a new laptop, whereas in most months, I spend nothing. Say 3,000 a month average??

Q5. How would you summarize your standard of living in one sentence?

My standard of living is the thing that keeps me here. I work as a teacher and raise a child on my own. In the UK my life would be very different, I wouldn't be living in a central London two-bedroom apartment, I wouldn't be in Japanese restaurants most nights and I wouldn't be saving 20,000 GBP a year.

Q6. What do you consider to be a real 'bargain' here?

This an easy one - the education of my child. My school is a great place to be educated, and by far the best 'perk' I receive is the waiving of all fees for two children (almost a shame that I only have one!). For a paying parent, the fees are approx 600,000 a year (most of my savings).

Q7. In your opinion, how much money does anyone need to earn here in order to survive?

As a teacher from the UK, this question initially feels quite strange. Back home it wouldn't really matter what school I worked in, from the local comp to the best private school in the country, my salary would vary little. In Thailand however, things are much different. It would be possible to teach in a secondary school and earn anything between 20,000 and 200,000 baht a month.

For me, what makes this disparity possible are the legions of unqualified teachers allowed to work here, who don't have much choice other than to accept salaries that your average Thai office worker would walk away from. I believe teaching to be a profession in a similar way to being a doctor or pilot. I would be horrified to see a doctor who had learned their trade 'on the job' or on a plane piloted by someone who had taken an 'online course'. Likewise, as a parent I would never send my child to a school staffed by 'teachers' with no professional qualifications.

To get back to the question (sorry for waffling), I would likely not accept a job paying less than 100K per month. Earning less than this, I would be unable to save to send my daughter to university, nor would I be saving for my future. I fully intend to retire by the time I'm 60 (which is 20 years away), yet without property in the UK or wealthy relatives the only thing I can do is save as much as possible.

To those teachers earning much less than this, If you're serious about your career in teaching, then I suggest you invest in a professional qualification from a nation that 'exports' education worldwide (UK, USA, NZ etc) and then apply to the growing number of international schools in Thailand. The supply of qualified teachers is far outstripped by demand and decent jobs are very easy to come by.

Phil's analysis and comment

Thank you Tommy for a very nice survey. I take my hat off to you for raising a daughter as a single parent in Bangkok (and doing a fine job of it by the sound) 

As you say, with no wealthy relatives or property back in the UK, the plan has to be simply to save as much as possible between now and when you retire in twenty years time. You're certainly on the kind of salary that will allow you to amass a nice pile of cash by then. 

Good luck to you!  


Robert

Working in Songkhla

Monthly Earnings 35,000

Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)

I work at a medium-sized Thai government secondary school in a small town in Southern Thailand and I've worked here for four years. I work through an agency and my salary after tax is about 34-35K. I don't take on any extra work or do private students (although I get a lot of requests)

Q2. How much money can you save each month?

Generally between 10,000 and 15,000 a month. I keep quite meticulous tabs on my spending and saving and last year I managed to save about 150,000. It was enough for a nice trip back home to England and a few nice long weekends away in Thailand.

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 small studio apartment in the centre of town and about ten minutes walk from the school. Accommodation is very cheap here and I'm sure you wouldn't get the same standard of living for 3K in a big city. The apartment is about 28 square metres and has a fairly large balcony as well. It's more than enough space for a single person. Sometimes I quite fancy the thought of a one-bedroom apartment but I like the staff at my condo and I've become part of the furniture you might say. That's why I've stuck around for the four years I've worked here.

Q4. What do you spend a month on the following things?

Transportation

Nothing. As I said, I live just ten minutes walk from the school and I also have a bicycle I use from time to time if I need to get to the other side of town, perhaps to do a bit of shopping.

Utility bills

Electricity and water come to about 500 a month. I turn the air-con on for about two or three hours in the evening just to cool things down but I can sleep comfortably with just the electric fan.

Food - both restaurants and supermarket shopping

I eat out all the time but do it very cheaply. I'll mix restaurant meals with street-food meals and I rarely spend more than 150 baht a day on grub so probably about 5,000 baht a month. I suppose you could say I 'live like a Thai' but for me that novelty has never worn off.

Nightlife and drinking

Oh, there's nothing to do here at night. I can't remember the last time I was out after 9.00 in the evening. I like to just chill out at home and read a book or watch a movie. Even on Friday and Saturday evenings, I might have a drink or two with some teaching colleagues but I'm back home reasonably early. I've never been much of a party animal.

Books, computers

I download cheap Kindle books from Amazon and watch movies on Netflix. I guess that adds up to a thousand a month.

Q5. How would you summarize your standard of living in one sentence?

It's extremely basic and no-frills but I love it. Simplicity is the key of life. I should have come here many years ago. I shudder when I think back to the stressful life I used to lead in Kent.

Q6. What do you consider to be a real 'bargain' here?

Food. You can eat out very cheaply once you get yourself organised and know where all the good value restaurants are.

Q7. In your opinion, how much money does anyone need to earn here in order to survive?

Well, I don't think everyone could lead the simple life that I do but then again if you liked your nightlife and stuff, you wouldn't move to my little one-horse town in the first place. I could survive here easily on 25,000 a month. The extra 10,000 I make on top of that is all gravy.

Phil's analysis and comment

It sounds a very simple way of life but if that's what floats your boat, then good luck to you. I'm guessing Rob is maybe in his 50's or even 60's and I have noticed myself that as you get older, you just want to live quietly with as few hassles as possible. Nothing at all wrong with that.


Come on! send us your cost of living surveys. We would love to hear from you! This is one of the 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'


Jimbo

Working in Songkhla

Monthly Earnings 65,000

Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)

My nett salary from an international school is 65,000 baht a month. I don't take on any other extra work.

Q2. How much money can you save each month?

I live on about 15,000 so manage to save 50,000 most months.

Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?

I have a small apartment that costs 3,500 baht a month. It has air-con but I never ever use it.

Q4. What do you spend a month on the following things?

Transportation

As soon as I arrived I bought a small motorcycle for 20,000 baht and I spend a further 500 baht a month on gas.

Utility bills

Water and electricity come to around 300 baht a month and the wi-fi is free so utilities never really break the bank.

Food - both restaurants and supermarket shopping

For breakfast, I'll have a few bananas. Lunch at the school is free. For my evening meal I always eat out and that generally costs about 100 baht. I'll add another 1,000 baht on for weekend treats and the odd coffee. Let's call it 5,000 baht a month.

Nightlife and drinking

Zero. I'm a recovering alky.

Books, computers

Zero. But I did buy a new 10,000 baht laptop recently.

Q5. How would you summarize your standard of living in one sentence?

Excellent. I want for nothing.

Q6. What do you consider to be a real 'bargain' here?

Puncture repairs

Q7. In your opinion, how much money does anyone need to earn here in order to survive?

To just survive, you need 10,000. That goes up to 20,000 if you want a few treats. If you are looking for a hedonistic lifestyle, then increase it to 30,000.
But there is no need to complicate life. Why not keep it simple?

Phil's analysis and comment

You heard it here first - you can live a wild lifestyle down in Songkhla on 30K a month. I don't know - maybe you can!

Jimbo is clearly a saver. 50,000 baht out of 65,000. Now that's impressive! 


Showing 5 Cost of Living surveys out of 284 total

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