AU Migrants: Pls share your weekly/monthly budget...

KurikongSaTumbong

Kaya 60 per week eh pa six-pack 6 pack ako bumili. Average price ng 6 pack eh 15 to 18 tapos 4x a week ako tumoma. Mas matipid kung isang case agad bilhin ko na $40 (24 bottles) pero mas na excite ako pa konti konti at paiba iba na beer.

Ang lakas pala ;-)

Hindi naman po. Medyo nag lie low na nga ako eh dati sa Kalookan eh everyday kami tumotoma ng mga pinsan ko hanggang umaga. Dito eh walang masyadong makainuman kaya paminsan minsan na lang. Si JCSantos minsan nakakainuman ko. Pogi yan tsaka tsikboy hahaha!

legato09

Kaya 60 per week eh pa six-pack 6 pack ako bumili. Average price ng 6 pack eh 15 to 18 tapos 4x a week ako tumoma. Mas matipid kung isang case agad bilhin ko na $40 (24 bottles) pero mas na excite ako pa konti konti at paiba iba na beer.

Ang lakas pala ;-)

Hindi naman po. Medyo nag lie low na nga ako eh dati sa Kalookan eh everyday kami tumotoma ng mga pinsan ko hanggang umaga. Dito eh walang masyadong makainuman kaya paminsan minsan na lang. Si JCSantos minsan nakakainuman ko. Pogi yan tsaka tsikboy hahaha!

Batang Kankaloo pala kayo eh!!! Malakas ako sa beer....rootbeer! hahahahaha

KurikongSaTumbong

Kaya 60 per week eh pa six-pack 6 pack ako bumili. Average price ng 6 pack eh 15 to 18 tapos 4x a week ako tumoma. Mas matipid kung isang case agad bilhin ko na $40 (24 bottles) pero mas na excite ako pa konti konti at paiba iba na beer.

Ang lakas pala ;-)

Hindi naman po. Medyo nag lie low na nga ako eh dati sa Kalookan eh everyday kami tumotoma ng mga pinsan ko hanggang umaga. Dito eh walang masyadong makainuman kaya paminsan minsan na lang. Si JCSantos minsan nakakainuman ko. Pogi yan tsaka tsikboy hahaha!

Batang Kankaloo pala kayo eh!!! Malakas ako sa beer....rootbeer! hahahahaha

Oo honorary Barangay Tanod ako sa Barangay 10 me Tanod cap pa nga ako isinusuot ko dito sa Sydney. akala tuloy ng mga Australyano bading ako kasi akala nila Baran Gay basa doon.

JCsantos

@Kuriks bakit po dami nyo tinitirhan? ;-)

Mortgage payment for home: 600
Mortgage payment - rental apartment: 400
Mortgage payment - commercial unit for rent: 675

Mdami talagang tinitira este tinirhan yang si KST

legato09

palagay ko bay mapapalo tayong tatlo sa pwet.... OOT tayo! hehehehe

KurikongSaTumbong

@Kuriks bakit po dami nyo tinitirhan? ;-)

Mortgage payment for home: 600
Mortgage payment - rental apartment: 400
Mortgage payment - commercial unit for rent: 675

Mdami talagang tinitira este tinirhan yang si KST

Pag sa tirahan wala ng tatalo ke JC kahit itanong nyo pa ke Inday

kangarooh

@Kuriks bakit po dami nyo tinitirhan? ;-)

Mortgage payment for home: 600
Mortgage payment - rental apartment: 400
Mortgage payment - commercial unit for rent: 675

Haha hindi ako nakatira sa lahat. Yung una ang residence namin tapos yung apartment for rent at commercial unit eh investment properties na binili namin at pinauupahan currently. Nagkamali ako 650 pala yung sa home inedit ko na orig post ko mahina ako sa math eh hihihi

wow.

pero meron din bang rule sa OZ na kailangan tirhan muna ng may-ari ang property (apartment/house) ng atleast three years bago mo sya ipa-rent out?

lock_code2004

wow.

pero meron din bang rule sa OZ na kailangan tirhan muna ng may-ari ang property (apartment/house) ng atleast three years bago mo sya ipa-rent out?

dito sa WA, if you availed of the First Home Owner Grant when you bought your house, kailangan tumira ka sa bahay na yun for atleast 6 months on the first 12 months... bago mo paupahan..

kangarooh

ah 6 months lang. ok pala. thanks sir

KurikongSaTumbong

@Kuriks bakit po dami nyo tinitirhan? ;-)

Mortgage payment for home: 600
Mortgage payment - rental apartment: 400
Mortgage payment - commercial unit for rent: 675

Haha hindi ako nakatira sa lahat. Yung una ang residence namin tapos yung apartment for rent at commercial unit eh investment properties na binili namin at pinauupahan currently. Nagkamali ako 650 pala yung sa home inedit ko na orig post ko mahina ako sa math eh hihihi

wow.

pero meron din bang rule sa OZ na kailangan tirhan muna ng may-ari ang property (apartment/house) ng atleast three years bago mo sya ipa-rent out?

Ang alam kong rule eh kung ibebenta mo na investment property mo, tirhan mo muna ng 6 months before selling para walang tax. Yung mga pinauupahan ko eh di applicable yung rule na nabanggit mo kasi binili ko sila with the intention of renting out at investment na sila from the start. Tsaka di ako aware na me restriction. Baka applicable lang yang tirhan muna kung nag avail ka ng mga grant para bilhin yung supposedly residential home mo as mentioned sa previous post.

cgm

hi po. do you think for new migrants to melbourne ok po ba to have a monthly budget of $3000 for a couple with a 3 year old kid? with this amount sobra tipid na po ba ito? thanks

jengrata

Sharing our expenses here in brisbane:

Rent: 380 per week (3BR townhouse)
Grocery: 150 per week (for family of 3, a couple and 3yr old kid who is still in formula and diaper)
Health insurance: 300 per month (sobrang sakitin kaming magina kaya i dont mind getting the premium)
Car insurance: 45 per month
Mobile: 100 for 2 lines, phones included
Internet: 60 per month
Petrol/gas: 50 per week
Electricity: 250 for 3 months

sherneb

recommended b tlaga kumuha ng Health Insurance? kala ko covered na ng gov't mga PR?

JCsantos

recommended b tlaga kumuha ng Health Insurance? kala ko covered na ng gov't mga PR?

It is not required , let just say you are maximizing your money if you earn more than 150k from what others have mentioned

As per our accountant has explained in its simplest form

IF you don't have a Health Insurance you pay $$$ + $$$ Levy to the commonwealth when you file your tax

IF you have then you still pay that $$$ to the Health Insurance ( and you get to have the benefits s) and $$$ levy to the government

So its your choice

cgm

I would like to share po the following online catalogues ng Woolworths and Coles para naman we can have a gauge of the grocery costs sa Australia.

http://www.coles.com.au/catalogues-and-specials/view-all-available-catalogues
http://www2.woolworthsonline.com.au/Shop/Seasonal/Woolworths-Catalogue-Specials

janucruz

@cgm hi po ask ko lang magkano po ang tax deduction pag sahod ilang percent hindi ko kc maintindihan tnx.

TasBurrfoot

@cgm hi po ask ko lang magkano po ang tax deduction pag sahod ilang percent hindi ko kc maintindihan tnx.

it depend on how much you are earning... graduated ang tax meaning the higher your salary bracket, the bigger your tax rate will be.

similar sa Pinas... and other countries for that matter.

TotoyOZresident

Naku bayaran na naman ng annual Car registration at Car insurance. Ito ang mabigat sa budget every year. :P

TasBurrfoot

Naku bayaran na naman ng annual Car registration at Car insurance. Ito ang mabigat sa budget every year. :P

Mabigat nga... I paid $770 last February for our car; registration lang ito plus the basic insurance.

The insurance is only for liabilities on other people if ever you are in an accident; third party liability on vehicles are paid separately (mine is at circa $35/month).

I did not get a comprehensive as it will balloon to $75/month - drive carefully nalang sa 14 year old car ko... Ahahaah!!

TasBurrfoot

I realised that I started this thread and I still not have shared our budget here in Australia.

1) Rent: $1,520 (2 bedroom villa located 10km north of MEL CBD)
2) Internet: $80 (iinet at 100gb/month)
3) Third Party Car Insurance: $37.76 (c/o AAMI)
4) Petrol: $150
5) Transportation: $132 (Myki with Zone 1 pass for myself; si misis nil kasi hatid sundo ko sa office)
6) Health Insurance: $252.90 (c/o Medibank - this will increase by more than 5% next month)
7) Grocery: $325 (varies but we budget it as this)
8) Electricity: $75 (average past months)
9) Gas: $20 (average past months)
10) Water: $40 (average past months)
11) Mobile Phone: $100 (I am on contract while wife is on prepaid)

Total: $2,732.66 (exacto pa talaga) - but we set aside $3,000 per month as our household expenditure.

As part of so-called preparing for our future retirement (which won't occur until another 25 years cguro...), we allot altogether $750/month as salary sacrifice to be placed in our superannuation fund.

Life is definitely more expensive here that what we were used to in Singapore but you will get by naman... By the way, the above expenses are for a couple with no kids.

IslanderndCity

I realised that I started this thread and I still not have shared our budget here in Australia.

1) Rent: $1,520 (2 bedroom villa located 10km north of MEL CBD)
2) Internet: $80 (iinet at 100gb/month)
3) Third Party Car Insurance: $37.76 (c/o AAMI)
4) Petrol: $150
5) Transportation: $132 (Myki with Zone 1 pass for myself; si misis nil kasi hatid sundo ko sa office)
6) Health Insurance: $252.90 (c/o Medibank - this will increase by more than 5% next month)
7) Grocery: $325 (varies but we budget it as this)
8) Electricity: $75 (average past months)
9) Gas: $20 (average past months)
10) Water: $40 (average past months)
11) Mobile Phone: $100 (I am on contract while wife is on prepaid)

Total: $2,732.66 (exacto pa talaga) - but we set aside $3,000 per month as our household expenditure.

As part of so-called preparing for our future retirement (which won't occur until another 25 years cguro...), we allot altogether $750/month as salary sacrifice to be placed in our superannuation fund.

Life is definitely more expensive here that what we were used to in Singapore but you will get by naman... By the way, the above expenses are for a couple with no kids.

wow! comprehensive list. can somebody from South Australia share your budget then po?

JCsantos

2) Internet: $80 (iinet at 100gb/month)

You can lower this down if you transfer to TPG or Exetel

Exetel plans is 39$ for 100gb ( we recently transfered ) but if your place is inside Telstra's RIM you dont have a choice sorry its just me

peach17

I realised that I started this thread and I still not have shared our budget here in Australia.

1) Rent: $1,520 (2 bedroom villa located 10km north of MEL CBD)
2) Internet: $80 (iinet at 100gb/month)
3) Third Party Car Insurance: $37.76 (c/o AAMI)
4) Petrol: $150
5) Transportation: $132 (Myki with Zone 1 pass for myself; si misis nil kasi hatid sundo ko sa office)
6) Health Insurance: $252.90 (c/o Medibank - this will increase by more than 5% next month)
7) Grocery: $325 (varies but we budget it as this)
8) Electricity: $75 (average past months)
9) Gas: $20 (average past months)
10) Water: $40 (average past months)
11) Mobile Phone: $100 (I am on contract while wife is on prepaid)

Total: $2,732.66 (exacto pa talaga) - but we set aside $3,000 per month as our household expenditure.

As part of so-called preparing for our future retirement (which won't occur until another 25 years cguro...), we allot altogether $750/month as salary sacrifice to be placed in our superannuation fund.

Life is definitely more expensive here that what we were used to in Singapore but you will get by naman... By the way, the above expenses are for a couple with no kids.

wow! comprehensive list. can somebody from South Australia share your budget then po?

Hi @TasBurrfoot, monthly yung electricity, gas and water bill figures above right?
Mura lang pala ang utility bills master?

Ung sa Salary Packaging master, inavail nyo sya agad agad nung makakuha kayo ng work?
Mas bumababa ba talaga ang tax kapag nag salary packaging?
Hindi ko pa rin kasi maintindihan, sa case ko kasi Novated Car Lease and Salary Sacrifice through Super lang ang option ng Salary Packaging.
And since hindi ko pa sya magets kung paano bababa ang tax ko, hindi ko pa sya inaavail.

Hope you could help.

TasBurrfoot

I realised that I started this thread and I still not have shared our budget here in Australia.

1) Rent: $1,520 (2 bedroom villa located 10km north of MEL CBD)
2) Internet: $80 (iinet at 100gb/month)
3) Third Party Car Insurance: $37.76 (c/o AAMI)
4) Petrol: $150
5) Transportation: $132 (Myki with Zone 1 pass for myself; si misis nil kasi hatid sundo ko sa office)
6) Health Insurance: $252.90 (c/o Medibank - this will increase by more than 5% next month)
7) Grocery: $325 (varies but we budget it as this)
8) Electricity: $75 (average past months)
9) Gas: $20 (average past months)
10) Water: $40 (average past months)
11) Mobile Phone: $100 (I am on contract while wife is on prepaid)

Total: $2,732.66 (exacto pa talaga) - but we set aside $3,000 per month as our household expenditure.

As part of so-called preparing for our future retirement (which won't occur until another 25 years cguro...), we allot altogether $750/month as salary sacrifice to be placed in our superannuation fund.

Life is definitely more expensive here that what we were used to in Singapore but you will get by naman... By the way, the above expenses are for a couple with no kids.

wow! comprehensive list. can somebody from South Australia share your budget then po?

Hi @TasBurrfoot, monthly yung electricity, gas and water bill figures above right?
Mura lang pala ang utility bills master?

Ung sa Salary Packaging master, inavail nyo sya agad agad nung makakuha kayo ng work?
Mas bumababa ba talaga ang tax kapag nag salary packaging?
Hindi ko pa rin kasi maintindihan, sa case ko kasi Novated Car Lease and Salary Sacrifice through Super lang ang option ng Salary Packaging.
And since hindi ko pa sya magets kung paano bababa ang tax ko, hindi ko pa sya inaavail.

Hope you could help.

I find it expensive - basic lang kasi yang utilities namin; unlike sa SIngapore before na aircon kami every night from 10PM to 7AM...

I availed kaagad the salary sacrifice to top up my superannuation contribution when I got my job last year. Bumababa ang tax in the way that instead of my usual tax rate, I just pay 15% of what I salary sacrificed as contribution tax.

To put it in perspective; for example 30% and tax mo, the amount you salary sacrificed will only be taxed at 15%... Yun nga lang, this will be for the long haul as you cannot touch your super until retirement.

I also have novated car lease but I did not bother with this as happy naman ako sa 14 yo car ko currently. I know the concept but there are some question marks pa.

TasBurrfoot

2) Internet: $80 (iinet at 100gb/month)

You can lower this down if you transfer to TPG or Exetel

Exetel plans is 39$ for 100gb ( we recently transfered ) but if your place is inside Telstra's RIM you dont have a choice sorry its just me

Thanks for your suggestion @JCSantos; this was our only option before when we rented our own place. Without a credit history, not a lot took us in even if I volunteered to pay 3 months in advance...

When we get our own place cguro, saka na ako maghanap ng other deals. Naka lock-up din kasi kami ngayon.

$39 for 100gb is naked broadband I reckon?

JCsantos

2) Internet: $80 (iinet at 100gb/month)

You can lower this down if you transfer to TPG or Exetel

Exetel plans is 39$ for 100gb ( we recently transfered ) but if your place is inside Telstra's RIM you dont have a choice sorry its just me

Thanks for your suggestion @JCSantos; this was our only option before when we rented our own place. Without a credit history, not a lot took us in even if I volunteered to pay 3 months in advance...

When we get our own place cguro, saka na ako maghanap ng other deals. Naka lock-up din kasi kami ngayon.

$39 for 100gb is naked broadband I reckon?

No, home phone and ADSL2+, A I get it contract kayo hehehehe

stolich18

Parang feeling ko tuloy ang gastos namin.. hehehe
All in all I think umaabot kmi 3800-4K a month. This is for a family of 3 (my son is just 2 years old), living in a 2BR apt unit in Sydney. By the way this includes mortgage repayments of a car and my driving lessons (huhuhu). Ung insurance and rego, I just paid in cash when we bought. Hindi pa pala kasama dito ang remittance sa Pinas. hehehehe

TasBurrfoot

Parang feeling ko tuloy ang gastos namin.. hehehe
All in all I think umaabot kmi 3800-4K a month. This is for a family of 3 (my son is just 2 years old), living in a 2BR apt unit in Sydney. By the way this includes mortgage repayments of a car and my driving lessons (huhuhu). Ung insurance and rego, I just paid in cash when we bought. Hindi pa pala kasama dito ang remittance sa Pinas. hehehehe

Think kasama na ata dito sa 4K/month ang childcare of your bub?

That alone I guess is tantamount to paying a 2nd rent...

By the way, where kayo nakatira dito sa Melbourne?

IslanderndCity

@stolich18, how much po pala driving lesson until getting a license dyan sa Au?

lock_code2004

Here is my budget... Perth, WA

Shared Apartment (3 Adults)
2 bedroom Apartment: 330/wk = 1320/month
Internet Dodo Unlimited: = 60/month
Electricity: 88.55/quarter = 29.51/month
Gas: 148.25/quarter = 49.41/month
Water: Free (part of the rent)
Food: = 400/month

Total 1858.92/month or 619/person/month

Personal
Car = 390/month
Car insurance = 70/month
Gas = 280/month ( I drive 40 kms one way home to office + weekend out of town )
Health Insurance = 75/month
Toiletries = 50/month
Mobile Plan Virgin = 69/month

Total = 934/month


So my TOTAL Monthly budget = 619+934= 1553aud..