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  1. #1
    Thailand Expat

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    How much to live in the west?

    How much does one need to survive in the west now?

    A friend emailed me asking if I was still thinking of returning to the UK to work. He might have a position opening up later in the year for me if I want it.

    Starting salary is 20k a year. Not a great deal, but the same as he gets.

    I asked him what he saves every month and he told me nothing. It's all spent down to the last pound by the end of the month. This does include going out for beers.

    He admits that he often goes into his over-draft.

    So how much would one need to live there now? My brother makes a vrey good salary 100k+ with benefits but he has a wife and two kids. He says that he still has to watch his spending and make sure that he plans ahead a lot more.

    So how much is needed? What is the breakdown in costs of living out there now?

  2. #2
    Thailand Expat
    The Ghost Of The Moog's Avatar
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    You won't get far on GBP 20,000 per year.

    Council Tax
    Water Rates
    Public Transport
    Petrol
    TV license


    You really should aim at GBP30,000 to even consider going back, even then, you won't be recording much (if any) surplus.

  3. #3
    I am in Jail
    Lily's Avatar
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    I'll tell you how much it costs to live in Aus at the beginning of next year.

  4. #4
    Thailand Expat

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    I know that electric, gas have gone up by 75% in the last year or so. Salaries haven't.

  5. #5
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    Marmite the Dog's Avatar
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    If you're living in a 'cheap' part of the country, 30k min. You'd be better off going to Australia as it's dirt cheap in comparison.

  6. #6
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    Lily's Avatar
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    ^If you are earning Squids it is, but not if you are earning dollars.

  7. #7
    Thailand Expat

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    It's a mental situation to be in. There is now way I will get employed in a position which pays 30k a year without having worked in the UK for some time. I can't get into a position that pays 30K a year without working there for some time.

    The fact that 30k a year would still mean saving less than I do here.

    Even when I was in Thailand being a lazy fucker and working only 13 hours a week I still put away more than most of my graduate friends do who have been working in the same company for 5 years.

    Fuck it I ain't going back.

  8. #8
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    Marmite the Dog's Avatar
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    Quote Originally Posted by mrsquirrel
    Fuck it I ain't going back.
    That's sorted then.

  9. #9
    Thailand Expat

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    Not really.

    I would still like a breakdown of the cost of living.

    I know that my mate is paying 300 a month on a one bedroom in Scun.thorpe.

    20,0000

    16,000 or there abouts which is taxable after tax free allowance (20% tax?)

    3,200 already gone.

    16,800 p.a. after tax

    NI = how much?

    3600 a year on rent

    13,500

    Then what?

  10. #10
    Thailand Expat
    Marmite the Dog's Avatar
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    You will prolly need a car. Proper grocery shopping (100 - 150 quid a week?) is a must as restaurants are too expensive. Do you still smoke? Even with no alcohl, a class of coke for a quid is a bit much.

  11. #11
    Thailand Expat

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    He has a company truck and fuel card.

    Costs him 3000 quid a year though on VAT that he has to pay for personal miles ( he says that this is still cheaper than paying himself!!!)

    So

    Now

    -3000 fuel cost

    10,500

    Food - he eats cheese and a few other things.

    Say 100 quid a week on food just to be conservative

    5,200 food

    5,300 left

    How much are bills?

  12. #12
    ding ding ding
    Spin's Avatar
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    NI = 9% monthly salary
    Council tax = 60 quid and up per month
    gasoline = 93p per litre

    oh fcuk it this is too depressing, sorry....

  13. #13
    Thailand Expat

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    9% before or after tax?

    He isn't in the best area but I would suspect that he isn't in a complete hovel

    80 quid on council tax pm

    960 a year

    5,500

    4,540

  14. #14
    Thailand Expat

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  15. #15
    RIP
    blackgang's Avatar
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    OK, well thats sure a lot of quid.
    How much money is that??

  16. #16
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    Marmite the Dog's Avatar
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    A quid = 2 Monopolies

  17. #17
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    Last time I worked in the UK, I earned just over 2 grand a month and saved 4 grand in 3 months.... that was about 5 years ago though.

    I think you'd be alright on 20k as long as you knew you were going to get good raises in the future.

  18. #18
    Thailand Expat
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    Quote Originally Posted by mrsquirrel View Post
    Starting salary is 20k a year. Not a great deal, but the same as he gets.
    Take of 40-48% of that in tax ... Doesn't sound great....

  19. #19
    I am in Jail
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    ^ Don't go back. It is way to expensive in the UK to live on that amount. You won't be able to save much on that salary. I lived and worked there before.

    Stay in Korea where you can at least teach privates, and make lots of extra, plus get housing paid for. Just my two cents.

  20. #20
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    Quote Originally Posted by NickA
    Last time I worked in the UK, I earned just over 2 grand a month and saved 4 grand in 3 months.... that was about 5 years ago though.
    Oh, I didn't pay any tax though, cos I only worked for 3 months.

  21. #21
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    20K in the UK is shit money, an insult.

  22. #22
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    well not everyone can be chairman of ICI.

    20K was quite a lot of money as far as i can remember.

    i guess the longer we stay in Asia the harder it is to come back to the UK from a financial point of view - especially if like me you have no property there.

  23. #23
    I am in Jail
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    Quote Originally Posted by slimboyfat
    20K was quite a lot of money as far as i can remember.
    That's what I thought.
    How much is Social Security these days? That should give an idea of the bare minimum.

  24. #24
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    the last time i went back to the uk i was in the country for 3 weeks and got a tax bill for 1,500 pounds i had been out of the country for about 3 years

  25. #25
    Thailand Expat
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    mate, 'ow longs a piece of string then??

    same same thailand innit??

    i was earning xxxx - but it still wernt enuff, but CMN got well shirty fer me posting such a stoopid amount...

    but in aussie i was saving on 1/4 of the amount...

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