Those of you who live on 40k a month

[Jingthing]

Yes there are additional costs to owning your housing anywhere, but I think as a generality if you're talking modest housing those costs will be less than paying rent IF you own your housing outright. If you're talking a mansion obviously you could rent a dump for less than the running costs on that.

[KannikaP]

16 hours ago, Ralf001 said:

and jeez car rego and insurance is exxy there !

In English please!    555

[Satcommlee]

You should be asking about people living on 40K a month who get sick and how it ends for them...  No money for medication/treatments etc..

[georgegeorgia]

1 hour ago, Satcommlee said:

You should be asking about people living on 40K a month who get sick and how it ends for them...  No money for medication/treatments etc..

Excellent point and you hit the nail on the head 

You can't afford it , simply as that 

 

You get a major sickness ,cancer or heart ,you GO BACK to Australia or the UK ,no other way around it 

 

[a3tsw]

On 4/8/2025 at 5:39 PM, KannikaP said:

For some reason I get mine every Monday.

It’s because your National Insurance Number ends with the letter A’

…

 

[Ralf001]

18 minutes ago, georgegeorgia said:

 

 

You get a major sickness ,cancer or heart ,you GO BACK to Australia or the UK ,no other way around it 

 

 

If you are medically fit to fly.

[BritManToo]

2 hours ago, Jingthing said:

lucky enough to get some kind of government subsidy on housing, etc. which is the type of thing being deeply attacked by the current regime there

Same as every government in the west, left or right wing.

Your previous government or your current government = same for citizens.

Maybe slightly different for illegals and foreign aid.

 

Essentially ALL our western governments appear to hate their own citizens. 

[arick]

On 4/8/2025 at 12:40 PM, 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 

 

Can easily live on that including phone bills internet car truck insurance horse feed dog feed cat feed Long as you don't have rent to pay. That works to 10, 000 bat a week. If you're living in London do you have 250 exposable income to live on every week. I doubt it.

[KannikaP]

38 minutes ago, a3tsw said:

It’s because your National Insurance Number ends with the letter A’

…

 

Mine ends with letter C, but get on a Monday.

What determines whether you get weekly or 4-weekly?

According to Co Pilot/ Gov.UK, it goes on the last two digits of NI number i.e. 00-19 Monday, mine is 17, 20-39 Tuesday and so on. 

[KannikaP]

34 minutes ago, Ralf001 said:

 

If you are medically fit to fly.

If you go back to UK for medical treatment and they prove that you have lived mostly abroad, you must pay 150% of the actual cost.

[BritManToo]

15 minutes ago, KannikaP said:

If you go back to UK for medical treatment and they prove that you have lived mostly abroad, you must pay 150% of the actual cost.

How could they prove that?

[KannikaP]

29 minutes ago, BritManToo said:

How could they prove that?

They cannot, unless they suspect and ask for your Passport.

But you can always say you do not have one.

[a3tsw]

5 hours ago, KannikaP said:

Mine ends with letter C, but get on a Monday.

What determines whether you get weekly or 4-weekly?

According to Co Pilot/ Gov.UK, it goes on the last two digits of NI number i.e. 00-19 Monday, mine is 17, 20-39 Tuesday and so on. 

Interesting , As I understand all NI numbers end with the letters A , B , C , D , or E corresponding to the working days of the week , Mon , Tues ,Wed , Thur , Fri.  My NI is ends with letter C , therefore I get paid on Wednesday.  But my last 2 numerical digits also fall within the range of 40~59  which also comply with what you have said.

As far as whether one gets paid out on a weekly or 4 weekly cycle is concerned , that is something that gets asked when you initially apply for the pension , ie you get to choose which ever method of payment suits you , or at least it did so when I initially reached pensionable age 7 year’s ago.

[KannikaP]

40 minutes ago, a3tsw said:

Interesting , As I understand all NI numbers end with the letters A , B , C , D , or E corresponding to the working days of the week , Mon , Tues ,Wed , Thur , Fri.  My NI is ends with letter C , therefore I get paid on Wednesday.  But my last 2 numerical digits also fall within the range of 40~59  which also comply with what you have said.

As far as whether one gets paid out on a weekly or 4 weekly cycle is concerned , that is something that gets asked when you initially apply for the pension , ie you get to choose which ever method of payment suits you , or at least it did so when I initially reached pensionable age 7 year’s ago.

Every Monday for 12 years for me, unless it's a Bank Holiday, then it comes early.

[Fat is a type of crazy]

On 4/9/2025 at 9:02 PM, Ralf001 said:

 

People receiving the OAP would be paying zero.... surely.

 

 

Bit tricky because you get the Medicare Levy Surcharge for years as a worker if no insurance so get private health insurance to avoid it. Then when you retire you may not get the surcharge - even if not eligible for  age pension  - but that's when you are likely to need private health insurance.

There is also the life time health cover loading so if you say start private insurance at 60 after not having it you pay the going rate plus a loading of 60 per cent being 2 per cent per year over 30.

There is a  rebate for getting private health insurance that was bought in as an incentive but that is based on income and is being reduced bit by bit each year. 

Then there's the fact that it can still be better and less expensive to use public health care rather then private in some cases if there is no waiting list. But it is what it is. 

 

[Ralf001]

10 minutes ago, Fat is a type of crazy said:

Bit tricky because you get the Medicare Levy Surcharge for years as a worker if no insurance so get private health insurance to avoid it. Then when you retire you may not get the surcharge - even if not eligible for  age pension  - but that's when you are likely to need private health insurance.

There is also the life time health cover loading so if you say start private insurance at 60 after not having it you pay the going rate plus a loading of 60 per cent being 2 per cent per year over 30.

There is a  rebate for getting private health insurance that was bought in as an incentive but that is based on income and is being reduced bit by bit each year. 

Then there's the fact that it can still be better and less expensive to use public health care rather then private in some cases if there is no waiting list. But it is what it is. 

 

 

Thanks for answering a question I did not ask.

[Fat is a type of crazy]

4 minutes ago, Ralf001 said:

 

Thanks for answering a question I did not ask.

No worries. 

The topic is costs for expats and that is a cost for some that needs to be taken into account including effects of levies. You didn't seem to get why. 

You even made the effort to search for the levies so I thought I'd give you a fuller picture. Something to pass 5 minutes.

I think you think being unpleasant and crass makes you cool by the way. It doesn't but each to their own. 

[BritManToo]

On 4/8/2025 at 7:45 PM, Sir Dude said:

 

The word "flight" is just wrong on a budget of what we are talking about... in the context of this thread, we should be saying bus or train.

Before COVID, I could get return flights from CM to Vietnam, China, Cambodia for 2,500bht. I would go every 3 months.

[Ralf001]

7 minutes ago, Fat is a type of crazy said:

No worries. 

The topic is costs for expats and that is a cost for some that needs to be taken into account including effects of levies. You didn't seem to get why. 

You even made the effort to search for the levies so I thought I'd give you a fuller picture. Something to pass 5 minutes.

I think you think being unpleasant and crass makes you cool by the way. It doesn't but each to their own. 

 

Yeah my post was a black and white reply to another poster saying a person reciving the OAP would pay 1.5% medicare.

 

You read into a question I did not ask.. and you replied to that.

[Bruce Aussie]

No problem if you have a problem with 40000  a month. Guess you don't have a house ilor own a caf, or you have a greedy wife.. 

Love the bull<deleted> on here.

Get a decent wife or f off.

 

[Bruce Aussie]

Time gets wife No problem if you have a problem with 40000  a month. Guess you don't have a house ilor own a caf, or you have a greedy wife.. 

Love the bull<deleted> on here.

Get a decent wife who wants to <deleted>  you because she loves you not your wallet.

Does any one on here actually have a wife who loves them. 

Farking sad  lot of farangs.

Sounds like an American post.

Maybe Donald.

😭😭😭

 

 

[jacko45k]

20 hours ago, BritManToo said:

Isn't what you described normal life for most western pensioners?

No AC units where I come from... even a balcony would be rare!

[jacko45k]

20 hours ago, georgegeorgia said:

Air conditioning unit?

I guess most have a fan

Do you really need Acon ?

 

Well I do, and many a little condo may face the sun and have hot walls. 

[BritManToo]

10 hours ago, Bruce Aussie said:

Get a decent wife who wants to <deleted>  you because she loves you not your wallet.

Does any one on here actually have a wife who loves them. 

This is a fantasy, not reality.

After the first year or two they don't want to have sex (with you), if they every did.

A wife loving her husband (after the first two-five years) is so rare, I think I've only encountered such couples, once or twice in my life.

[KhunLA]

12 minutes ago, BritManToo said:

This is a fantasy, not reality.

After the first year or two they don't want to have sex (with you), if they every did.

A wife loving her husband (after the first two-five years) is so rare, I think I've only encountered such couples, once or twice in my life.

I know one couple 

[georgegeorgia]

11 hours ago, Bruce Aussie said:

Time gets wife No problem if you have a problem with 40000  a month. Guess you don't have a house ilor own a caf, or you have a greedy wife.. 

Love the bull<deleted> on here.

Get a decent wife who wants to <deleted>  you because she loves you not your wallet.

Does any one on here actually have a wife who loves them. 

Farking sad  lot of farangs.

Sounds like an American post.

Maybe Donald.

😭😭😭

 

 

I would say Bruce ...going by your academic linguistics,you definitely are an Upper class well educated" Australian, perhaps your a brain surgeon?

[SAFETY FIRST]

11 hours ago, Bruce Aussie said:

Time gets wife No problem if you have a problem with 40000  a month. Guess you don't have a house ilor own a caf, or you have a greedy wife.. 

Love the bull<deleted> on here.

Get a decent wife who wants to <deleted>  you because she loves you not your wallet.

Does any one on here actually have a wife who loves them. 

Farking sad  lot of farangs.

Sounds like an American post.

Maybe Donald.

😭😭😭

 

 

Hi Bruce, nice to meet you here. 

 

Are you from Mt Druitt? 

I had a friend called Bruce who spoke like you from Dharruk, he had some front teeth missing. 

 

I was in a relationship with your daughter, Is that you my friend?

 

 

[georgegeorgia]

30 minutes ago, SAFETY FIRST said:

Hi Bruce, nice to meet you here. 

 

Are you from Mt Druitt? 

I had a friend called Bruce who spoke like you from Dharruk, he had some front teeth missing. 

 

I was in a relationship with your daughter, Is that you my friend?

 

 

i used to know a Shaz & Daz from mount Druitt,

Shaz  ( Sharon)!had 6 kids to 6 different father's !

 

[SAFETY FIRST]

5 minutes ago, georgegeorgia said:

i used to know a Shaz & Daz from mount Druitt,

Shaz  ( Sharon)!had 6 kids to 6 different father's !

 

Every second mother from Mt Druitt has  6 kids to 6 different father's 

 

[pimmmm]

I live in Jomtien for about 40k a month, well kind of, as I have plenty of backup savings, for emergencies.

First off I'm married and she's decent, in that she doesn't ask me for money to send to family or any nonsense like that.
In fact she works online (10-20k a month typically) and sometimes pays for meals out and trips to the cinema. She keeps the rest of to save and help her sister on occasion, I pay rent, bills, food. 

We go out once a week, to restaurant, cinema etc, some times more to a local mookata or something.  We drink very little generally but sometimes we'll go to a bar, maybe once a month, we like Wizard beer.   We have no debts, or bad habits like gambling.

 

We live in a pretty nice 50sq mtr rented condo,  run the air con but not excessively, shopping from Makro, we both can cook. We have a big TV and netflix, 2 bikes, I go to a local gym.  We've travelled a lot in the past so now not so much just in Thailand, go by bus and stay in cheap hotels. Lifestyle is very nice really.  

Without backup savings and investments it's an issue though. I know I'm covered if I really want to buy something, have an emergency, or go on a special holiday.