Don’t get me wrong - we love it here - if we didn’t, we wouldn’t stay. The healthcare is excellent, the support we’ve had access to for my SEN son has been excellent (albeit expensive, but luckily covered by insurance), we have made wonderful friends and my kids have opportunities and experiences that we could only dream of in the UK. They have classmates from all around the world and they go places and see things that amaze me.
I think my point was more that life is so expensive here, that a ‘good’ salary doesn’t go that far. I would also really stress again the point about probation periods - I’ve seen people move over with their families, sign year long leases for a villa, take out a 3 year car loan, put their kids into expensive schools with long notice periods for the wage earner to not pass their probation and be dismissed instantly. If you break your tenancy contract, there are often significant penalties.
To give you an idea of our outgoings:
- 20k a month on mortgage (to rent our property would be more like 25k a month and don’t forget this is usually paid over 2 cheques for the year, with a 5% deposit and 5% agency fee)
- 3k a month water and electricity bill
- 4k a month for our nanny (plus 10k a year for her visa, 3k a year for her annual flight allowance)
- 10k a month food shopping (I’m sure many spend less but for us, that’s reality of 3 kids + 2 adults)
- We don’t have car loans anymore but until recently, I was paying 2.5k a month for my car
- 500 a month for gardener and pool cleaning
- 2500 on kids activities - swimming, football, karate etc but nothing crazy
- 750 a month phone and internet
- 600 mobile phone package each both for two adults
- 2000 a month on petrol for 2 cars. We both cover a lot of miles just driving to work etc. We fill up once a week or so, and it costs nearly 200 to fill each car.
School fees for my eldest two (7 and 5) are 55k each per year. My work pay a contribution of 35k per child and we have to make up the difference. It’s becoming increasingly uncommon for employers to cover the full amount. We pay 7k a term for my youngest to go to nursery 3 mornings a week. It’s 2k a term for each kid to take the school bus home (the only option as we both work)
For the 5 of us, return flights to the UK can easily cost in excess of 20k. We came back last Christmas and by the time we had rented an air bnb for the week (not enough room to stay with family) and hired a car, the whole trip cost around 40k.
We have good health insurance through our employers but there is often a 20% co-pay to cover if you go out of network, which we often do. There’s lots of 100 here, 50 there.
Kids activities aren’t cheap - I can easily spend 200 just taking my 3 to soft play for a few hours. The same with eating out - a ‘nice’ dinner for two adults can easily be 500+ if you have a few glasses of wine.
I think you also asked about the summer - most Europeans leave for a big chunk of it, assuming they don’t work/can work remotely. For those who stay (like us!) there is plenty to keep the kids occupied indoors, but it’s tough and again, comes at a pride. My 4 year old will go to a sports holiday camp which will cost 600 a week and my 7 year old will go to a coding camp, which is 800 a week. When you think the school summer holidays are 7 weeks long, it soon adds up.