Showing posts with label cost of living. Show all posts
Showing posts with label cost of living. Show all posts

Thursday, October 15, 2009

living costs in osaka

i just realised that i’ve always intended to blog about this, but never got down to doing it.

i remember worrying before i came over, whether my pay would be enough to cover living costs and so on, and looking back now, it seems so ridiculous because the pay that JETs receive is incredible.

i get about 285,000yen a month after taxes and so on are deducted. a quarter of that goes to rent, at a bit more than 61,000yen. i think this is the most that any JET would ever pay, unless you’re living in the city in an apartment that’s larger than 6 tatami mats with a kitchen and bathroom (the other osaka JETs in the bigger 2-bedroom apartment pay around 80,000yen).

utilities – gas, water and electricity – average to less than 6000yen a month. it increases a bit in winter when i turn on the electric heater and in summer when the aircon is on, but i think my expenditure is fairly low because i dont leave my heating or aircon on the entire night, whereas i know many people who do.

food-wise, it depends entirely how much i go out that month. a dinner out will often be around 2000yen, lunches 1000yen. drinks are in general about 500yen or 700yen, depending on where you go. i definitely dont scrimp on eating out or grocery shopping, and i’ve spent between 31,000yen and 50,000yen a month. i bring bento to school most times though, so i eat lunch out only about once on weekdays. dinner on weekdays would perhaps be once to a max of 3 times – it’s usually once – and on weekends, anything goes. i think i go out a lot, but that’s the price of having company and socialisation. no choice.

internet – i share that, but it’s 4000yen for KDDI’s wonderful fibre-optic service. not all apartment buildings have fibre-optic, installed, but broadband should be around that price, unless you get a package deal. usually when you first sign up they’ll give you a really good discount – for us it was 2000yen for the first 6 months, but JETs who came this year got a far better deal.

mobile phone – all depends on how much internet you use on your phone. in japan, you can only send SMS to people who subscribe to the same company. to contact people with another phone company, you have to use email or call. calling is really expensive though, but the internet is very useful. i use it to check train times all the time, and sometimes the weather. but my bills are on average about 2600yen i think.

transport – is expensive! i already cycle to school most days of the week, but i think i easily spend almost 10,000yen a month. if i didnt cycle to school, i think i’d be spending maybe at least 15,000yen?

apart from those, there’s also expenditures on things like household items ( e.g. toilet paper), toiletries, clothes and shopping, etc. those all vary, and it’s difficult to give an estimate for stuff like holidays too. but i think it’s reasonable to say that a 7 day trip somewhere in japan would cost around 100,000yen, how much more or less would depend on how watchful you are of your wallet. i think that estimate is for a comfortable holiday, where you dont splurge but do spend some on enjoying yourself.

Monday, June 8, 2009

moving to and living in japan – tips and suggestions (edited)

surprisingly, it’s only now – when i can put a name and gender to the newcomers in osaka – that i realise how soon it is before the 2009 JETs arrive in Japan. everyone must be in the midst of preparations, and it’s with that consideration that i jot down some thoughts on moving to and living in japan:

 

1. toothpaste – everyone blogging about moving to japan always mentions this. i’ve never actually verified whether japanese toothpaste has fluoride or not, simply because i’ve been using colgate toothpaste brought from home all this while. no doubt, my family replenished my supply the last time they visited me in march, but this should be easily accomplished for JETs whose family plan to visit (or make use of friends!). toothpaste also lasts a long time when you’re living alone! besides, tokyu hands sells colgate – at least that’s what i’ve heard about the one in osaka. you can get Aquafresh toothpaste in japan too, although while the singapore version has fluroride (i think?) i’m not sure whether the japan one contains it too. but at least it provides the fresh, minty sensation which i do require in my toothpaste.

 

2. shoes – japan sells A LOT of dangerously high-heeled shoes and there are a lot less flats and pumps available in shops. the same goes for shoes with low heels to average-height heels, i.e. those less than 6cm. most of them are made of hard material and likely to make your feet hurt really badly, as i’ve painfully discovered. unless you’re lucky AND find a pair of shoes on sale, it’s near impossible to find comfortable shoes between 2000-3000yen. most of the time, shoes worth looking at will start from 6000yen – which is why when i found a pair of soft ballet flats in a nice design for 6865yen the other day, i snapped them up immediately.

to be completely honest, i think that the design of shoes in japan are rather ugly. it’s either that, or they look cheap, or that they are just plain and very normal, or that they’re uncomfortable. or a combination of some or all of the above. in addition, i have trouble finding shoes in japan as the cutting is slightly smaller than those in singapore – usually the length is just nice but the front is too tight. shoes in the next size would be just nice at the front but too big at the back, which makes things difficult as well. so if you have broad feet, like flats or have large-ish feet, do bring enough shoes from home!

 

3. indoor shoes – not all schools require students and staff to change into indoor shoes when they enter – both my junior high schools do not have this policy. it’s best to check with your school first, but if that’s not possible, shoes whose soles have been wiped clean would do just as well. also, indoor shoes can be slip-ons, crocs and the like; they dont have to be formal-looking, so it shouldnt be difficult to look for indoor shoes after arriving either.

 

4. accessories – forget about buying cheap earrings the way you can in singapore, as they’re REALLY EXPENSIVE. the cheaper ones would be far east/bugis street type of 3 for $10 earrings (i.e. they look cheap), just that they’ll be quite a bit more expensive than those in singapore. earrings that i’d consider buying due the design usually begin from 1350yen, which is a lot. necklaces are cheaper in comparison, although prices also start from 1350yen too. so far, most of those that i’ve bought are about 2300yen. there are a few shops around that sell accessories for 350yen, although they can be a bit limited in terms of design and choice.

 

5. food – anyone familiar with chinese cooking should face no problem in japan, as the sauces and raw materials available arent too different from those you’d see back home in singapore. rice is the cheapest staple, although it’s still quite expensive. the lazy ones like me can also choose from instant udon, instant soba and pasta – you can easily get instant sauces for all of these in any supermarket. there are also foreign food stores scattered around the city where you can get things like campbell soup and american/western products, but for a high price of course. japan also sells a huge variety of heat-only things like gyoza, croquettes, nuggets and other yummy side dishes that make things very convenient.

fruits and vegetables can be a bit pricey, but considering they’re staples there’s nothing really much that can be done about it :( note also that smaller fruit and vegetable shops might not have lower prices than supermarkets, although they’re always worth checking out.

ahh.. if you cant live without your milo, brand’s essence of chicken, chinese herbs and liang teh, chinese dried goods (e.g. tao kee and black fungus), do consider bringing a decent supply from home, as they are EXPENSIVE when purchased from Chinatowns in japan. also, things like pre-mixes for curries are expensive too. milo is available in the big supermarket near my house – japan has it – but it’s pricey.

 

6. household and bath products – once again, singaporeans and others from southeast asia and perhaps east asia should have no problem buying things in japan, as brands will be familiar ones like biore, kao, etc. so even if you dont understand much japanese, based on the packaging and visuals, it’s possible to figure out whether you’re buying facial wash or shampoo. note though, that such products are usually cheaper at drugstores – you usually find them in pedestrianised shopping alleys or along the main roads – than in supermarkets. things are cheap enough that you dont really have to bring any from home if you use japanese products to begin with (duh).

of course, foreign products like body shop and clinique are a bit more expensive than in singapore. i think body shop’s body butter is about 2300yen, which makes it about 1.5 times more expensive? similarly, clinique facial products are also numerically similar to what i paid for in singapore (although i bought them from one of those cheap cosmetics shops in chinatown).

 

7. clothes – i’m actually blogging this for guys! japanese guys tend to be more [fashionable/flamboyant/ adventurous/ gender neutral (and i’m saying this in the nicest possible way)/ stylish] than singaporean men – pick one or some from the above choices – and this is reflected in the design, cut and colour of the clothes available. so if you’re an average singaporean guy who just likes to wear normal clothes, you’re pretty much limited to foreign brands like GAP and zara, or uniqlo. note however, that uniqlo is still, ultimately, a japanese brand, and can sell some somewhat questionable clothes. it does lots of basics, however, and is good if you’re ok with simple stuff. the foreign brands are probably more expensive here than in singapore too.

note also that japanese men tend towards tshirts with sleeves that end about mid-arm or slightly lowever, so it might not be that easy to find tshirts if you like your sleeves to end just above the elbow, as many guys i know prefer. japanese men are a bit slimmer in built too – either that or they prefer their clothes to be a bit more fitting – than singaporean men too.

(someone i know, a japanese girl, recently commented that singapore lacks hot men. i wont argue whether this is true or not here, but what i will say is that japan isnt anywhere near having a good supply of hot men. its not that i’m trying to be defensive, but honestly, once you’ve been here long enough you’ll know what i mean. fashion and style arent everything – sometimes you just want a man to look like a man and behave like one, never mind if i’m heading towards dangerous territory like stereotyping what is or should be ‘male’ and what is ‘female’ behaviour. moreover, for every not-too-bad guy here is a nerd far nerdier than any you’d find in singapore!)

 

9. makeup – concealer is hard to find in japan; i encountered the same problem when i was in london 3 years ago, and wonder if it’s just singaporeans who use a fair bit of it.. besides the “branded” cosmetics in department stores (that i didnt check out cos i’m not that rich), only maybelline and another japanese brand sell concealer. for loreal, only their coverstick (this magic tip wand thingy) which isnt very good is available.

also, although Elizabeth Arden beauty counters are present in all department stores in singapore, there arent any here as far as i’m aware of, so buying anything from that brand (i used their Green Tea eau de toilette before i was forced to change brand) might be difficult.

 

8. others 

  • blutack doesnt exist in japan, so bring your own.
  • 100yen (or 105yen) shops sell almost everything you can imagine, so be sure to check them out first if you’re looking for anything
  • swimsuits and bikinis are insanely expensive (they’ll usually be more than 8000yen – you have to hunt around and be in the right place at the right time before you can find something for about 4000yen), so bring them with you!
  • in relation to the above point, things in japan are usually branded in some way – there’s no way you can find normal swimsuits for example, nor normal dance wear. so you tend to either do without, find a substitute or pay crazy amounts for a branded something. be warned.
  • for electronics like cameras, i’ve noticed that stores usually only stock the very latest models. this means that once a newer model is released, the older ones are taken off the shelf, rather than continue to be sold but at a markedly reduced price. also, goods might not be cheaper in japan even though the brand is japanese, and apparently cameras dont come with all the freebies like memory cards, tripods, etc like what we’re used to.
  • i commented on a previous post to bring traditional costume (my punjab suit) – i’ve yet to use it!! nor have i ever come close to have reason or occasion to wear it..

i cant think of anymore i have to say off the top of my head, but do tag or comment if there’s anything in particular you’d like to know more about!

Friday, August 22, 2008

shopping in japan

i may have mentioned this before, but shopping in japan certainly as expensive as one might think. of course, i'd say that things are more expensive in general, and that you do have to look around for bargains. but the bargains, when you find them, are a thousand times better than any bargains you may get in singapore.

for example, i've bought 2 tshirts of rather good quality for 500yen ($6.45)! i bought one of those tops from this shop that sold tonnes of other tshirts too, and the even more unbelievable thing was just the other day, i discovered a shop near my house that was sold the same tshirts at 315yen! that's so super duper cheap, and where can you ever find such cheap stuff in singapore? you can only get this kind of prices if you go to thailand!

uniqlo sells rather cheap stuff too, although i think their design leaves a fair bit to be desired, unless you shop at their bigger outlets like the one at shinsaibashi. i bought 2 tops - 1 half-sleeved casual top and another loose semi-casual top - for about $45? that's about $22.50 for stuff of fairly good quality. the other day, i also managed to buy a pair of nice, comfortable shoes for about $27. i think they're rather good buys, as they're just slightly more expensive than the things that i buy in singapore but BETTER QUALITY.

eating out isnt that expensive here either. of course if you're talking about eating out on an every day basis, it'll add up to quite a lot as there arent any kopitiam-like places here, but the thing is, i feel that the eating establishments in japan are all nice enough for you to have a day out or to bring your date to. and you can get good meals from 500yen and it's entirely possible to have a satisfying meal below 1000yen. which means that dating in japan isnt as expensive as in singapore, because back home you have to at least spend a fair amount to eat out at a restaurant of some sort, since the food courts and kopitiams where the cheap food are found arent really ideal places for dating, depending on which stage you're in. and so far, i've yet to eat anything less than 'nice' for all the meals that i've paid for! whereas in singapore you can easily spend more than $10 yet eat very mediocre fare.

and the snacks. i think the greatest thing is that many of the snacks that are so desired in sg are japanese products. some teachers whom i've spoken to were shocked to discover how expensive stuff like Meiji Fran cost, as they're at most 200 to 300yen over here ($2.60 - $3.90). you know, since arriving in japan, i'd yet to walk down the snack aisle in supermarkets till my resolve crumbled today. i ended up buying a box of chocolates (very good) and one of the expensive meiji pocky coated with blueberry cream. and they were so cheap. goodness.

things are going to be hard to resist from now on, although i think i did pretty well buying only 2 snack items :) anyway, the only thing that i find really expensive - and it strikes me rather hard - is the price of raw food items. basically the things you buy in the supermarket! fish, meat, vegetables, fruits etc always make me want to cry when i look at how much they cost, yet i cant not buy them because i need to eat! that's really just about the only thing though.

Monday, June 2, 2008

Rent and Insurance - edited

i was surfing around trying to get more information about rent and so on, and discovered this blog: http://www.soundtracktolife.net/blog/2007/08/19/what-is-the-jet-program/. the writer actually managed to negotiate with his Board of Education to lower his rent and settle some repairs for his apartment, so it'll be good for me to remember to try doing this if necessary.. frankly, i dont think i need a 2 bedroom apartment if that means paying more for it.. haha.

apparently, we can also apply to get a refund on our insurance too. while it brings me hope, i would still wanna speak to someone about this (rather than just relying on hearsay) before i rejoice..

* * * * *

a friend i met says that the JETs she knows actually get subsidies for their rents and end up paying very little for rent each month! hmmmmmmm. sounds hopeful!

how come i hear so many different accounts though???

Friday, May 30, 2008

money woes - cost of living, insurance and savings

Yesterday, I took a good look at the tax, insurance and contract section of the General Information Handbook that was sent to all JETs and made a rather distressing discovery - that there's a high possibility i'll face financial problems while in Japan!

let's take a look at the various components..

While the approximately 3.6million yen that we receive each year is post-tax income, payments towards the National Health Insurance, pension plan and employment insurance still have to be made from this sum, and the amount that has to be forked out is rather significant, if not staggering.

Depending on the health insurance premium, about 35,000yen/month has to be paid, and the contribution to the pension plan is 6/1000 of your salary. These two work out to about 12.3% of the monthly post-tax income; 37,000yen; or, at the exchange rate of SGD1 = 130yen, about $400/month. However, depending on the website in question, the amount of these additional insurance and welfare payments have been 40,000-50,000yen/month, or 13.3-16.6% of the income!

On to savings. Considering that all Singaporeans working in Singapore have a total of 36% of their income safely tucked away in their CPF account* earning a small interest (note that bank accounts in Japan are close to, if not actually, 0% accounts, according to this: (http://www.gaijinpot.com/banking.php) EXCLUDING their personal savings beyond this 36%, i thought that i should, at the very least, try to save 36% of my salary to reduce the discrepancy in savings between me and my peers working at home.

Then, to approximate what my brother gives my parents each month, i'll have to put aside about 10% of my salary for them. Add all those three percentages (taking the lowest percentage contribution of 12.3% to insurance and social welfare), and you get an astounding 58.3% of your salary - gone!! This means only 41.7% left for daily expenditure and leisure/entertainment, or 125,100 yen.

(I don't actually have to repay my student loan (thank goodness for scholarships!), but if I were to pay off $1000 per month for a 27-28K loan for my undergraduate studies, that'll be 25.6% of my salary! I'm thinking that perhaps i should act as if i have to pay off a student loan and save lots of money each month.. cos if i do that i'll then have 28K in savings which is quite a tidy sum!)

And i haven't even started talking about the cost of living** in Japan. As i'm in Osaka City itself, i expect costs to be sky-high. The estimates for rents that I've seen online are sooooooo high that just thinking about it makes me depressed.. on this site (http://www.japaninc.com/node/2115), a 2-bedroom apartment was quoted to cost 85,000 yen in rent per month, and i'm hoping a 1DK would be much cheaper... according to an example breakdown of expenditure of a person living in a medium-sized city featured in the JET video that i received, rent was already 60,000 yen/month! note: that's HALF of the 125,100 yen i have left post-insurance and savings!! and that guy is only living in a medium-sized city!! :(:(

To summarise:

Salary received 100%
Insurance, pension, etc 12.3%
Minimum amt to give parents 10%
Savings (to make up for lack of CPF contribution) 36%
Amount of money to spend on rent, utilities, daily expenses, entertainment, etc 41.7% only
(125,100 yen)


as for other costs quoted on this site (http://www.japaninc.com/node/2115), utilities and internet etc cost the writer 20,000yen, and food WITH CAREFUL PLANNING came up to 60,000yen. these are Tokyo prices, but i think they probably can be used in reference to Osaka too? if these can indeed be used as a guide, looking at the figures, food and rent could very well use up all the money i have left, even when i'm trying to be frugal!

this means only one thing - that i definitely wont be able to save 36% of my salary per month. hence, in monetary terms, i'll certainly be worse off than all those singaporeans who work in singapore! and take note that i havent even factored in stuff like entertainment, travelling and leisure!! :S :S

so looking at all these.. well maybe i'm being overly anxious and all, but i'm now really doubtful regarding the claim that JETs are paid enough to cover average living costs and accumulate some savings.. In the video for JETs, the hosts actually said that the salary received is more than enough to live in Japan, but guess how much the two people whose breakdowns were given saved each month?

a measly 44,000 yen, or $572!!!!

i certainly do NOT think this supports the above assertion at all! and the examples were meant to reassure us, not freak us out by how little you may actually have left after everything has been spent and paid for.

well just look at me.. i haven't even received my contract, and i'm already offering some *ahem* comments regarding JET.. :P

*:

my friend hit the nail on the head by commenting that because my employer doesnt contribute to CPF, my salary actually isnt all that high, especially after factoring in the insurance contributions, cost of living in Japan and the fact that unlike my peers, i will not receive bonuses (at least i dont think i do since there has been no mention of this) or increments so long as i'm on the programme. i think these monetary matters will feature significantly when i decide whether to extend my contract or not. while i intend to stay at least 2 years - cos i dont think 1 year is quite enough to learn about teaching, Japan and to improve my Japanese - the realities of life must be taken into serious consideration if i were to extend beyond 2 years...

it's gonna be tough being solely responsible for supporting myself and my family (both present and future) for the rest of my life.... :S

** some useful links regarding living costs in Japan:

http://gojapan.about.com/od/dailylifeinjapan/a/costlivingtokyo.htm

http://www.relojapan.com/cost/index.html

http://boards.bootsnall.com/eve/forums/a/tpc/f/448097925/m/45900141416

http://www.ikjeld.com/japannews/00000414.php

http://www.japaninc.com/node/2115

http://neilduckett.com/cost-of-living-in-japan/



For more about banking and saving money in Japan: http://www.gaijinpot.com/banking.php