Those of you who live on 40k a month

[henryford1958]

If you are a long term UK expat you won't be on 40k a month. Mine was frozen 8 years ago and being contracted out in the UK i only get 26k a month, forever. Couldn't live on that.

[georgegeorgia]

9 minutes ago, henryford1958 said:

If you are a long term UK expat you won't be on 40k a month. Mine was frozen 8 years ago and being contracted out in the UK i only get 26k a month, forever. Couldn't live on that.

So how do you survive?

[henryford1958]

4 minutes ago, georgegeorgia said:

So how do you survive?

 

Well you have to have another private pension

[newnative]

1 hour ago, baansgr said:

Best quote, some can learn from this 👍 

Thanks.

[Scouse123]

19 hours ago, georgegeorgia said:

I'm very interested and please forgive me for not doing a study or a project on this but I just thought of the project idea today a few days AFTER I came back from my study tour of Thailand 

 

I read the Australian aged pension is like 40,000 baht a month or near 

 

And some of you UK also around the same , please may I ask how your lifestyle is on this amount 

 

I did see a few old farangs in Sizzlers in Pattaya secretly filling up their containers in bags next to them with good BUT may I ask for those of you ,does anyone here in PATTAYA live on that amount quite comfortable 

 

Now please if you do ,do you forego the pleasures in life ,cheese ,wine and song or is wine women and song to achieve the budget of your aged pension 

What about the 99b breakfast living in 40k per month 

It always fascinated me seeing bars in Soi Bukhao such as those Sports Bars full ,do expats go to those and pay often WESTERN prices or are they tourists in those places 

 

I remember going to what looked like a open no air con expats sports bar in Jomtien opp the 711 only to see miserable old people inside 

 

 

Find a hobby, you silly old bugger, and stop annoying people with daft posts.

 

You're probably surviving on 10K a month, and 7K is spent on internet.

[leonard beaven]

Same old topic again"you can't live in Thailand unless you won the euro millions nonsense," Yes you can. I am quite comfortable on my 40k per month living in our house and growing veggies on our small piece of land.And I have my daily intake of Mr Leo when I want.Do I worry about money?

No. Only those who have money,worry about money.

[gk10012001]

18 hours ago, Packer said:

Don't English teachers in Bangkok and Phuket choose to live there on such an income? 

 

Or would their life be considered subsistence existence? 

 

If a 40 year old would choose to do it in Phuket while also paying rent, I'd guess a 70 year old with no rent can do it in Pattaya. 

 

 

Some or many do live on that.  But many things are left out.  The younger people have no health insurance but many of them still are under the wings of their parents back in their home country.  The older ones have no health insurance and are just rolling the dice because they have no choice.

[poyai111]

Australian aged pension: Currently 21700  baht per fortnight @ 26 pa equals 564200 baht equals 47000 baht per month. I aspire to 25 baht per $A  so the following figures would apply: 26875 per fortnight 698750 pa 58229 per month.

[chakatee]

19 hours ago, Packer said:

I'm not of that age, or of those meagre means, but imagine that 1,000 a day average for an older bloke with all assets owned, visa funds in the bank, a comfortable home in their name is okay, if they're a bit of a homebody. 

 

Say, weekdays relaxing at home with restaurant delivery for 500 per day, meeting friends in parks, at the beach, a cafe, then 4-5000 baht weekends would be comfortable for 70 year olds that are settled here and aren't interested in fat 50 year old bargirls. What do they need, one happy ending massage per week, per month?

 

YMMV 

Simple if you leave health care insurance, electricity, internet, new clothes now and then, motorcycle/car expenses, cleaning products and toiletry, ... out of the equation.

[sandyf]

19 hours ago, georgegeorgia said:

So if old Reg from Yorkshire can live on that in Sheffield why can't old Reg live in Pattaya on that ?

Oh please stop being so negative 

You seem to be forgetting that old Reg in Sheffield has no medical expenses, even prescriptions are free  for the elderly.

The other significant factor is having to pay rent or living rent free.

There is very little in the way of like for like comparison.

[Polaky]

There is no comparison at the moment with the aud$ scraping dregs, In Australia it cost me less than in Thailand,  I breath clean air, near a beach with clean water, cook my own food, no gmo's, yes i have a gf 😀,  no 90 day reporting, no visa, free medical, follow a keto diet and exercise regularly 😀 

[sandyf]

1 hour ago, leonard beaven said:

Same old topic again"you can't live in Thailand unless you won the euro millions nonsense," Yes you can. I am quite comfortable on my 40k per month living in our house and growing veggies on our small piece of land.And I have my daily intake of Mr Leo when I want.Do I worry about money?

No. Only those who have money,worry about money.

Quite.  I have my own home and quite comfortable on about 30K/month. Health is on a pay as you go basis, when I can't pay I will go, already well into extra time.

[renaissanc]

21 hours ago, SAFETY FIRST said:

I like his question, it's worthy of a posting.

 

It beats Bob, Lewie and all the other postings 

I like his question too. Are you feeling stressed today, by any chance?

[sandyf]

2 hours ago, henryford1958 said:

If you are a long term UK expat you won't be on 40k a month. Mine was frozen 8 years ago and being contracted out in the UK i only get 26k a month, forever. Couldn't live on that.

You were only contacted out because you had another pension.

It was quite scandalous that a certain segment of the UK population could put part their NI contributions into a occupational/private pension that would be index linked worldwide.

[SAFETY FIRST]

1 hour ago, poyai111 said:

Australian aged pension: Currently 21700  baht per fortnight @ 26 pa equals 564200 baht equals 47000 baht per month. I aspire to 25 baht per $A  so the following figures would apply: 26875 per fortnight 698750 pa 58229 per month.

I was getting 32 once upon a time 

[SAFETY FIRST]

27 minutes ago, renaissanc said:

I like his question too. Are you feeling stressed today, by any chance?

Never stressed 

[renaissanc]

My wife and I have a house in a rural place in West Thailand. If we were given a monthly income of 40,000 Baht we would have no clue how to spend so much. We eat simply and healthily. Even with the (small) expenses of looking after 25 rescued cats, we spend very little because we grow a lot of our home food, and because local prices are low here.

But if you live in Pattaya, Bangkok, or another city in Thailand your expenses will be high because of rent, travel, food, beer, entertainment, health expenses resulting from city life, etc. Nevertheless, 40,000 Baht is easy to live on. 

What about paying for health problems on that income? If you go to private hospitals, no. Government hospitals, yes. If you have been eating processed (supermarket) food for a long time, you will have health problems on the way resulting from your diet, if not already. Processed food is so harmful to the body. If you live simply and healthily, and you don't ruin your body with alcohol, your expenses can be very low. 40,000 Baht per month is a lot!

[emptypockets]

2 hours ago, poyai111 said:

Australian aged pension: Currently 21700  baht per fortnight @ 26 pa equals 564200 baht equals 47000 baht per month. I aspire to 25 baht per $A  so the following figures would apply: 26875 per fortnight 698750 pa 58229 per month.

AUD to THB currently 20.78.

What do you numbers do using this exchange rate?

[Atlantic Cod]

Very good lifestyle on 40k per month

[Ralf001]

8 minutes ago, emptypockets said:

AUD to THB currently 20.78.

What do you numbers do using this exchange rate?

 

Per fortnight its 21846.75 so 47373.62 per month.

 

[Thingamabob]

It all depends on the variable amount of funding available to each individual, in Pattaya or anywhere else. Some will happily get by on their basic pension and adjust their lifestyle accordingly. Others, with more available income, may run more than two homes, employ several staff, and will incur major maintenance costs re swimming pools, house maintenance etc. Then there will be those with substantial incomes but who prefer a modest life style, and others with less substantial incomes but who live beyond their means. Accordingly there can be no definitive answers to the questions put by the poster.

[Packer]

2 hours ago, chakatee said:

Simple if you leave health care insurance, electricity, internet, new clothes now and then, motorcycle/car expenses, cleaning products and toiletry, ... out of the equation.

 

40k

 

The mentioned breakdown is for 30k.

 

40k - 30k = .....

 

 

🙂

[Packer]

2 hours ago, gk10012001 said:

Some or many do live on that.  But many things are left out.  The younger people have no health insurance but many of them still are under the wings of their parents back in their home country.  The older ones have no health insurance and are just rolling the dice because they have no choice.

 

Foreign teachers get Thai social security health insurance for life. 

[georgegeorgia]

1 hour ago, Polaky said:

There is no comparison at the moment with the aud$ scraping dregs, In Australia it cost me less than in Thailand,  I breath clean air, near a beach with clean water, cook my own food, no gmo's, yes i have a gf 😀,  no 90 day reporting, no visa, free medical, follow a keto diet and exercise regularly 😀 

You live cheaper in Australia?

It's possible I guess , especially if you live in the country 

[Harrisfan]

1 minute ago, georgegeorgia said:

You live cheaper in Australia?

Have u ever been married?

[Donald Bright]

22 hours ago, georgegeorgia said:

I'm very interested and please forgive me for not doing a study or a project on this but I just thought of the project idea today a few days AFTER I came back from my study tour of Thailand 

 

I read the Australian aged pension is like 40,000 baht a month or near 

 

And some of you UK also around the same , please may I ask how your lifestyle is on this amount 

 

I did see a few old farangs in Sizzlers in Pattaya secretly filling up their containers in bags next to them with good BUT may I ask for those of you ,does anyone here in PATTAYA live on that amount quite comfortable 

 

Now please if you do ,do you forego the pleasures in life ,cheese ,wine and song or is wine women and song to achieve the budget of your aged pension 

What about the 99b breakfast living in 40k per month 

It always fascinated me seeing bars in Soi Bukhao such as those Sports Bars full ,do expats go to those and pay often WESTERN prices or are they tourists in those places 

 

I remember going to what looked like a open no air con expats sports bar in Jomtien opp the 711 only to see miserable old people inside 

 

It is possible to live off the pension in Australia but only if you own your own home/unit.    If you have to rent it will cost you around  A$2400- per month for a reasonable 2bedroom property and that is your whole pension gone in one foul swoop with nothing left to live on.   I imagine the Brits would be in a similar situation,  where as a good rental here you can get for A$250/$300- per month and have money left over at the end of the month.

It is far cheaper to live in Thailand than it is in Aus.   Just taking a beer as an example, in Perth, WA it costs $9-50 for a schooner of beer, which is around 200bht, the same here is around 70bht depending on where you live in Thailand.   I used to go out for a pub meal on a Friday night which would cost me $35- with a drink which would be 770bht here.   I could take my Thai wife and father out for dinner here for that amount.

Which ever country you come from affordability  depends a lot on whether or not you own your own home as a pensioner.

 

 

 

[ujayujay]

Interesting topic🥱

[trainman34014]

Without Booze, Bars and Women it's easy to live on 40k.,    Or; you can be like one of my Old Friends, skint every day and hoping his Pals will buy him the odd Beer and/or Meal,   Nowhere to live he can call his own place to rest and no Dosh to get back home,      Sad state of affairs but have to say people get theirselves into such situations often.

[Brave-Fart]

On 4/8/2025 at 12:45 PM, Ralf001 said:

jesus christ mate.. give it a rest woulda.. same old recyled crap over and over again.

jesus christ , is someone twisting your arm and forcing you to read this post, just don't bother reading it or commenting, just troll on past sorry scroll on past if you have read similar before, Remember new farangs are arriving every day so what is considered old news to you is new to them

[Ralf001]

1 minute ago, Brave-Fart said:

jesus christ , is someone twisting your arm and forcing you to read this post, just don't bother reading it or commenting, just troll on past sorry scroll on past if you have read similar before, Remember new farangs are arriving every day so what is considered old news to you is new to them

 

 

Hahahahaha some butthurt from Brave-Fart !