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How to live in luxury in the Philippines with a monthly income of $2,000

Do you envy the lives of luxury enjoyed by people in developed countries, wishing you too to live such a life but lacking the $10,000 monthly income needed for such a life? Well, I dare you to consider living in the Philippines, either full or part time. Retirement is not a matter of age; It is a matter of having enough continuous income. With a monthly income of $2,000 (or pension or annuity), one can truly live a life of luxury. I present how this is done and list the initial expenses of living in the Philippines as a foreigner.

#1 Don’t specify where you live in Manila.

Manila is a bustling and exciting city, but it is riddled with overcrowding and expensive real estate, much like any major city in the Western world. The farther one is from Manila, the lower the cost of accommodation. Of course, there is always a tradeoff between the more remote location you want, the less comfort and amenities of the Western world.

For this reason, I always advise people to consider the major secondary cities of Cebu or Davao, the Subic Bay region, resort or university communities such as Baguio, Dumaguete, Tacloban, and Cagayan de Oro. The cost of housing in these areas is much lower than in Manila, yet they have air access readily available in and out of the community, and because foreigners tend to prefer staying in these areas, there are more high-end accommodations to choose from.

The two cities with the most luxurious amenities for a Westerner, outside of Manila, are Cebu City and Davao City.

In these two cities, you can expect to pay anywhere from $300 a month for a small apartment to $800 a month for a luxury home in a gated community with a swimming pool. A similar rental in the US might be around $3,000 to $4,000 per month. A similar home in Manila would cost about $1,500 to $2,000 per month, or more, depending on the location in Manila.

#2 Hire a pair of maids and chauffeur.

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