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

kenshusei · October 2014

Ito po ang budget namin a week (2 Adults 2 Kids) here in Melbourne:

Rent: 280/week
Car: 96/week (Car Loan)
Myki: 61/week
Food/Grocery: 150/week
Electric Bill: more or less 15/week
Broadband Bundle (Mobile and Internet): 22/week
Water: around 6/week
Petrol: 10/week
Misc Expenses (movies/gala/kain sa labas): 120/week

TFS boss. Ang mura naman ng rent nyo

atchino · October 2014

Ito po ang budget namin a week (2 Adults 2 Kids) here in Melbourne:

Rent: 280/week
Car: 96/week (Car Loan)
Myki: 61/week
Food/Grocery: 150/week
Electric Bill: more or less 15/week
Broadband Bundle (Mobile and Internet): 22/week
Water: around 6/week
Petrol: 10/week
Misc Expenses (movies/gala/kain sa labas): 120/week
TFS boss. Ang mura naman ng rent nyo

Even yung electricity bill - mura din ang 15/wk... lumalabas lang na 1+ per day for 4 person.

Mura yun, lalo na may kids malakas consume ng electricity.

Ano electricity provider nyo?

Petrol din tipid yung 10/wk. Since may mga kids, palagi nakakotse pag lalabas or may pupuntahan.

clickbuddy2009 · October 2014

Ito po ang budget namin a week (2 Adults 2 Kids) here in Melbourne:

Rent: 280/week
Car: 96/week (Car Loan)
Myki: 61/week
Food/Grocery: 150/week
Electric Bill: more or less 15/week
Broadband Bundle (Mobile and Internet): 22/week
Water: around 6/week
Petrol: 10/week
Misc Expenses (movies/gala/kain sa labas): 120/week

Mate, ang laki ng gala expenses nyo per week. But the other expenses are quite lower, mukhang binawi nyo sa misc expenses ah. haha..

TasBurrfoot · October 2014

Ito po ang budget namin a week (2 Adults 2 Kids) here in Melbourne:

Rent: 280/week
Car: 96/week (Car Loan)
Myki: 61/week
Food/Grocery: 150/week
Electric Bill: more or less 15/week
Broadband Bundle (Mobile and Internet): 22/week
Water: around 6/week
Petrol: 10/week
Misc Expenses (movies/gala/kain sa labas): 120/week
TFS boss. Ang mura naman ng rent nyo

@RyanJay oo nga boss; rent is very cheap? 1 whole apartment ba kayo?

RyanJay · October 2014

Even yung electricity bill - mura din ang 15/wk... lumalabas lang na 1+ per day for 4 person.

Mura yun, lalo na may kids malakas consume ng electricity.

Ano electricity provider nyo?

Petrol din tipid yung 10/wk. Since may mga kids, palagi nakakotse pag lalabas or may pupuntahan.

Yep, mura yung electric bill namin, average kasi kami ng mga $70+/month pero pag nagbayad ka ng maaga, binabayaran lang namin is around $55+/month kasi may discount ng early bird payment, hehe. Lumo ang electric at gas provider namin.

Sa petrol naman, pag weekdays, drive lang ako papuntang train station, mga 3km drive lang yun. Then pag weekend, gumagala lang kami sa mall malapit lang din sa house namin. Walking distance lang ang school ng mga bata kaya hindi na sila nag cacar.

Mate, ang laki ng gala expenses nyo per week. But the other expenses are quite lower, mukhang binawi nyo sa misc expenses ah. haha..

Yep, medyo malaki kasi mahilig kami manood ng movies or pumunta sa city pag weekend. Ang mahal pag kumakain sa labas.

@RyanJay oo nga boss; rent is very cheap? 1 whole apartment ba kayo?

Yes, whole house, 3 Beds, 1 Bath, 1 toilet, 1 garage. Yan lang maganda pag medyo malayo sa city. Dito ako werribee, mga 45 mins by train. Ang maganda dito, huling station sya dito sa west, kaya pag pumapasok ako, daming seat sa train, hindi tulad pag medyo middle or lapit na sa city, standing ovation na mga passenger.

langgam37 · October 2014

@RyanJay medyo magkalapit lang tayo boss, sa Point Cook kami.. 1.5 months pa lang kami so di pa talaga namin alam yung actual expenses namin per month. Parehas tayo ng electricity and gas provider, so sana halos parehas lang ang monthly expenses natin. may 2 kids din ako.

Bahay namin parahas din (3 BR, 1 T & B, 1 garage) pero 330/week.

If I may ask, ano yung car na nabili nyo?

johnvangie · October 2014

Ito po ang budget namin a week (2 Adults 2 Kids) here in Melbourne:

Rent: 280/week
Car: 96/week (Car Loan)
Myki: 61/week
Food/Grocery: 150/week
Electric Bill: more or less 15/week
Broadband Bundle (Mobile and Internet): 22/week
Water: around 6/week
Petrol: 10/week
Misc Expenses (movies/gala/kain sa labas): 120/week

Hi @RyanJay, 5yrs mortgage yun car nyo? If you dont mind, ano car nyo, yun specific brand? :-)
Yung broadband bundle, unlicall yun mobile?
Ang mahal ng transpo noh?

dhey_almighty · October 2014

@RyanJay ka mura ng rent niyo...sana kame rin makahanap na ng house for rent na ganyan kamura dito sa perth... :-)

bookworm · October 2014

@RyanJay naisip ko lang nung ni total ko, wow, ang laki pala ng sahod haha

johnvangie · October 2014

@RyanJay may work ba si misis mo?
More or less, Php150K ang monthly budget ng family of four noh?
How about savings? Nakakapag save ba ng at least 20%? :-)

kremitz · October 2014

@bookworm haha ganun ata talaga gastos pag may family n eh. Mas mataas pa nga expenses ng iba n may to kids. Kmi pagdating namen ng oz nasa 3k din budget namen per month with one kid. Pag nag daycare n c baby mas malaki pa lalo gagastusin. Ang maganda kay @ryanjay eh mababa lang rent nya.

kremitz · October 2014

@ryanjay ano po yung myki?

johnvangie · October 2014

@ryanjay ano po yung myki?</

myki is your ticket to travel on Melbourne's trains, trams and buses,

RyanJay · October 2014

@RyanJay medyo magkalapit lang tayo boss, sa Point Cook kami.. 1.5 months pa lang kami so di pa talaga namin alam yung actual expenses namin per month. Parehas tayo ng electricity and gas provider, so sana halos parehas lang ang monthly expenses natin. may 2 kids din ako.

Bahay namin parahas din (3 BR, 1 T & B, 1 garage) pero 330/week.

If I may ask, ano yung car na nabili nyo?

yung bagong Mazda 3 yung ni-loan ko.

RyanJay · October 2014

Hi @RyanJay, 5yrs mortgage yun car nyo? If you dont mind, ano car nyo, yun specific brand? :-)
Yung broadband bundle, unlicall yun mobile?
Ang mahal ng transpo noh?

Yep, 5 yrs mortgage, Mazda 3 yung car. Yung broadband bundle, hindi sya unli call, 200 dollars worth of call lang sya per month. Yep, mahal ng transpo, fix rate kasi yung daily full fair.

RyanJay · October 2014

@RyanJay ka mura ng rent niyo...sana kame rin makahanap na ng house for rent na ganyan kamura dito sa perth... :-)

If maganda naman transport system dyan, look sa mga suburb na malayo layo sa CBD. I'm sure makakahanap kayo. Good luck.

@RyanJay naisip ko lang nung ni total ko, wow, ang laki pala ng sahod haha

Hindi naman, ang alam ko average lang salary ko, may mas malalaki pang salary na ka forum natin.

@RyanJay may work ba si misis mo?
More or less, Php150K ang monthly budget ng family of four noh?
How about savings? Nakakapag save ba ng at least 20%? :-)

Nope, wala syang work, pero may placement work sya (ojt) sa government funded course na kinukuha nya. Yep, nakakapag save pa ako ng 20%+ a week. Ang maganda, nakakatanggap pa kami ng Family tax benefit, kaya pati yun napupunta sa savings.

@ryanjay ano po yung myki?

Yung myki is yung card na ginagamit dito para pambayad ng transport like train, bus at tram.

wizardofOz · January 2015

Ito po ang budget namin a week (2 Adults 2 Kids) here in Melbourne:

Rent: 280/week
Car: 96/week (Car Loan)
Myki: 61/week
Food/Grocery: 150/week
Electric Bill: more or less 15/week
Broadband Bundle (Mobile and Internet): 22/week
Water: around 6/week
Petrol: 10/week
Misc Expenses (movies/gala/kain sa labas): 120/week

Yung sa Food po $150pw, parang ~$20 per day, nasa $5 per person each day tama po ba?

Paano diskarte nyo sa food, packed-lunch ba lagi sa office and sa school ng mga bata?

cholle · January 2015

Single, Sydney, staying in a 2-BR 2-bath 1-car park flat with dog, driving to work everyday (work is 6km from home with free parking, but occasionally travel ~10-20km per week for work)

Rent: 450
Petrol: 15
Car loan (5 years): 90
Food/groceries: 60-80 (minsan matakaw ako hehe) - 9 out of 10 times packed lunch to work (groceries includes toiletries, home/cleaning supplies)
Dog food: 5
Internet: 22.5
Mobile: 15
Utilities: 15
Misc: 50-100 (bihira lang lumabas pag weekend, pero weakness ko online shopping hehe)
Health insurance: 25

Not included: car rego+ctpl+insurance, car operating expenses (oil change, services, etc), vet costs, occasional Opal card top-up, parking fees, eTag, etc

This will slightly change once my fiance moves in with me later this year and starts working, maghahati na kami sa rent. At the moment sagot ko pa lahat.

TasBurrfoot · January 2015

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.

Updating this after almost a year:

Mortgage - $2,380.00
Health Insurance - $280.00
Home & Content Insurance - $50.00
Car Insurance - $40.00
Cellphone - $140.00
Gasoline - $150.00
Grocery - $325.00
Internet - $80.00
Utilities - $150.00
Train Tickets - $280.00

This will total into somewhere close to $3,900 per month - lumalaki yung gastos as a result of higher cost for shelter (mortgage), additional insurance (home & content) and higher cost sa train tickets (both me & misis now take a train ride going to work)

Wala pa dito sa breakdown ang cost for running a house (i.e. repairs, council fees, etc), car maintenance, registration and our entertainment cost (eating out, cinema, etc)

At the end of the day, meron pa rin naman maiipon and and we just put it in our offset account so that our loan principal will become lesser.

kremitz · January 2015

@cholle weekly po yan?

kremitz · January 2015

@tasburrfoot atleast di napupunta sa rent ang pera nyo

onting difference lang sayo naman yung tinitirhan mo. Galing

cholle · January 2015

@kremitz yup, weekly

wizardofOz · January 2015

Single, Sydney, staying in a 2-BR 2-bath 1-car park flat with dog, driving to work everyday (work is 6km from home with free parking, but occasionally travel ~10-20km per week for work)

Rent: 450
Petrol: 15
Car loan (5 years): 90
Food/groceries: 60-80 (minsan matakaw ako hehe) - 9 out of 10 times packed lunch to work (groceries includes toiletries, home/cleaning supplies)
Dog food: 5
Internet: 22.5
Mobile: 15
Utilities: 15
Misc: 50-100 (bihira lang lumabas pag weekend, pero weakness ko online shopping hehe)
Health insurance: 25

Not included: car rego+ctpl+insurance, car operating expenses (oil change, services, etc), vet costs, occasional Opal card top-up, parking fees, eTag, etc

This will slightly change once my fiance moves in with me later this year and starts working, maghahati na kami sa rent. At the moment sagot ko pa lahat.

hi @cholle for a single person, itong weekly budget na ito... "tipid na tipid" mode ba ito or medyo "average" na gastos mode na...

for example sa food/groceries tipid na tipid ba ito, also sa pag-gamit ng utilities like kuryente...

syensya na sa tanong, medyo basic lang kasi idea ko... while i was there nagugulat ako sa mga presyo ng bagay bagay kasi hehe

cholle · January 2015

@wizardofOz normal ko na yan, I waited a while before posting here kase hinintay ko talagang makasettle down na ako.

Mali pala yung car loan repayments ko, nasa 68 per week lang sya.

clickbuddy2009 · January 2015

2015 na, Happy New Year everyone. Finally, makakapagshare na rin ako ng weekly budget namin. After 4 months of renting in an apartment, dumating na rin lahat ng bills (electricity, gas, internet), at medyo nakuha na rin namin ang diskarte sa pagtitipid lalong lalo na sa grocery and other misc items.

House rent: 400/week (1BR apartment in CBD- 5mins walk to my office)
Food: 150-200/week (may diaper at milk pa kasi sa bata)
Petrol: 50/month (or less)
Car Mortgage: 125/week
Car Insurance: 70/mo.
Electricity: 340 for 3months. (Baka may connection fee pa itong kasama kaya mataas)
Gas: $80 for 3months
Mobile prepaid: $40/month x 2 (for me and my wife)
Internet: $60/month
Water: Free
MIsc.: $35/month (Red Cross AU)
Others: $250/month (other things and kain sa labas)

Walking distance lang ang workplace ko sa house within the CBD kaya wala ako monthly expenses para sa transpo at baon. During lunch umuuwi lang ako sa house. Malaki ang savings namin dito compared nung nasa SG pa kami (both working). Kapag magstart na magwork ang wife ko dito, bka mas mapaaga ang pagbili ng house hopefully (fingers crossed).

Biggest factor na niconsider namin when renting an apartment is yung location talaga. It is a bit expensive compared to renting a house in suburb. Pero kung icconsider mo yung travel time at pamasahe, plus yung baon, mas mapapamahal pa kung medyo malayo ng konte na suburb. In an apartment, you will have the complete facilities (gym, pool, function hall, bbq pit, parking), and less maintenance. In a house; 1. you will have complete privacy; 2. your own front and backyard 3. more rooms for kids to play around 4. can invite more friends. Downside lang is malaki rin ang lilinisin lalo na kapag oras na naman ng inspection.

Nakapagadjust na rin kami dito sa Australia kahit papano, kaya kapag matapos na namin ang contract sa house lilipat na kami sa suburb. Nung nagkaron kami ng sasakyan since October, di na ako nakapasyal sa city. Kapag maggrocery kami or shopping, sa suburb na ang punta namin.

Sa mga paparating pa lang dito, expect nyo sa mga unang buwan ay sobrang napakagastos kaya dapat maging ready. Di rin pala uso ang 13th month pay dito kapag December kaya ang sakit ng bulsa ko kasi iniexpect ko iyon. Hahaha… At sobrang magastos din pag December kasi mahaba ang shutdown sa work, puro camping at long drive ang trip pero super enjoy at sulit na sulit. Ngayon alam ko na yung mga lugar kung saan magandang magfishing at crabbing kaya kahit papano makakatipid na rin sa pang-ulam. Once pa lang kami nakapanood ng sine dito, at libre pa. Binigyan kami ng Alinta Gas ng free tickets, hahaha. Grabe kamahal ng sine dito, might as well set up your own home theatre sa bahay. Mapersonalize mo pa ang experience.

wizardofOz · January 2015

thanks for sharing your insights @clickbuddy2009!

Also, natuwa ako dito hehehe

Ngayon alam ko na yung mga lugar kung saan magandang magfishing at crabbing kaya kahit papano makakatipid na rin sa pang-ulam.

dhey_almighty · January 2015

@clickbuddy2009 bro, sana ka nagrent ng apartment na malapit sa CBD?! :-)

baka pwede pa-refer... :-)

clickbuddy2009 · January 2015

@dhey_almighty, nakita ko lang yung ads sa www.realestate.com.au. Dito lang kami sa tabi ng city west station (West Perth) at sobrang lapit sa WaterTown. Kukuha ka na ba ng buong unit?

clickbuddy2009 · January 2015

@wizardofOz, magandang libangan dito ang fishing. Nagenjoy ka na, may pangulam ka pa. Yung crabbing naman, seasonal lang. I think start from November to February. Ang saya saya magcrabbing, lalo na kapag nakikipaghabulan ang mga crabs. hahaha..

Lumilevel up na rin tayo sa sports kapag nakalipat ng AU. Mostly sa work, either football or golf ang madalas pag-usapan. Kaya ngayon instead na basketball na ang nilalaro, try na rin natin ang golf. hehe.. Madali lang makapaglaro ng golf dito, unlike sa pinas na pangmayaman lang ang larong ito tapos kelangan mo pa maging member ng isang club.