My Dubai monthly expediture
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My Dubai monthly expediture
For those considering coming to EK:
I must stress this is our current situation.
Salary per month after all deductions in June 28 700 dhs.
Company accomodation, two adults, one child, not yet at nursery/school.
Food & household: 6000
Car loan: 2100 dhs
Car Insurance: 500 dhs
Petrol: 800 dhs
Satellite TV: 300 dhs
IPEP: 700 dhs (income protection plus critical illness cover)
EPC: 420 dhs (income protection)
Internet: 200 dhs
Computer phone calls: 200 dhs
Mobiles: 300 dhs
Cleaner: 400 dhs
Gardener: 100 dhs
Holiday Fund: 2000 dhs
Eating out: 1500 dhs
Misc: 1000 dhs
Total: 16 520 dhs
Dollar: 3.6780
Sterling: 6.7429 (fluctuates)
Euro: 4.6675 (fluctuates)
Hope it helps.
I must stress this is our current situation.
Salary per month after all deductions in June 28 700 dhs.
Company accomodation, two adults, one child, not yet at nursery/school.
Food & household: 6000
Car loan: 2100 dhs
Car Insurance: 500 dhs
Petrol: 800 dhs
Satellite TV: 300 dhs
IPEP: 700 dhs (income protection plus critical illness cover)
EPC: 420 dhs (income protection)
Internet: 200 dhs
Computer phone calls: 200 dhs
Mobiles: 300 dhs
Cleaner: 400 dhs
Gardener: 100 dhs
Holiday Fund: 2000 dhs
Eating out: 1500 dhs
Misc: 1000 dhs
Total: 16 520 dhs
Dollar: 3.6780
Sterling: 6.7429 (fluctuates)
Euro: 4.6675 (fluctuates)
Hope it helps.
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Fairly new to the left seat. Should have posted this in the middle east section so apologies for that.
I enjoy the job due to the mix of flying that i can do, and the fact that housing is provided allows me to save some money each month.
Its by no means perfect but is no worse than any previous job that i have had.
I enjoy the job due to the mix of flying that i can do, and the fact that housing is provided allows me to save some money each month.
Its by no means perfect but is no worse than any previous job that i have had.
Last edited by Alby Mangel; 2nd Jul 2006 at 14:21.
Originally Posted by Alby Mangel
For those considering coming to EK:
I must stress this is our current situation.
Salary per month after all deductions in June 28 700 dhs.
I must stress this is our current situation.
Salary per month after all deductions in June 28 700 dhs.
A Captain fresh to the left seat would not make 28 700 dhs/month salary after deductions.
An F/O might make 18 700 dhs/month.
And you will confirm that this figure of 28 700 dhs is your salary (fixed sum paid on a regular basis) and not a variable sum that includes for the June payment any occasional and/or extraordinary allowances etc......
Because if we're discussing a figure calculated after deductions we really should be including any additions as well, shouldn't we?
Because if we're discussing a figure calculated after deductions we really should be including any additions as well, shouldn't we?
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Whossorrynow,
Sorry but he is correct. A 3 year First Officer (hired prior to December31, 2003) upgrading now would make a base salary in the left seat of 28705 dhs a month. (any overtime would be extra) The only deduction from that would be for the provident fund which is 5% minimum. The only other regular deduction is for telephone which he has shown as an expense further down the list. If you have staff travel or medical than that is an additional deduction.
I would say that his figures are fairly accurate for a family of 3. The problem will be when that child gets to school age. At the American School of Dubai, for grades 1-5 the out of pocket for tuition is about 1500dhs a month. If you are not able to get one of the EK seats, you you will pay another 9200dhs a year. It all adds up.
Regards,
330 Man
Sorry but he is correct. A 3 year First Officer (hired prior to December31, 2003) upgrading now would make a base salary in the left seat of 28705 dhs a month. (any overtime would be extra) The only deduction from that would be for the provident fund which is 5% minimum. The only other regular deduction is for telephone which he has shown as an expense further down the list. If you have staff travel or medical than that is an additional deduction.
I would say that his figures are fairly accurate for a family of 3. The problem will be when that child gets to school age. At the American School of Dubai, for grades 1-5 the out of pocket for tuition is about 1500dhs a month. If you are not able to get one of the EK seats, you you will pay another 9200dhs a year. It all adds up.
Regards,
330 Man
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Basic salary: 28 905 dhs.
Telephone allowance: 45 dhs.
Exchange rate protection: 1787 dhs.
Total payment: 30 737 dhs.
Deductions:
EPC: 420 dhs (income protection and club membership, not compulsory).
Family medical insurance: 189 dhs.
Provident fund: 1446 dhs.
Total deduction: 2055 dhs.
In June's paycheck i am left with 28 682 dhs.
This will vary due to the exchange rate protection.
Rgds.
Telephone allowance: 45 dhs.
Exchange rate protection: 1787 dhs.
Total payment: 30 737 dhs.
Deductions:
EPC: 420 dhs (income protection and club membership, not compulsory).
Family medical insurance: 189 dhs.
Provident fund: 1446 dhs.
Total deduction: 2055 dhs.
In June's paycheck i am left with 28 682 dhs.
This will vary due to the exchange rate protection.
Rgds.
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Location: Not a huge sand box but very nice winters anymore
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Petrol: 800 dhs
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Are you really from Brisbane? If so don't forget Americans do not get any exchange rate protection as the Duham is linked to the American dollar at a fixed rate of 3.67-1.00.
Also, ASD's tuition just went up 22% and the seat fees also increased about 30% so once the little ones are in grades KG2 to grade 6 you will be out of pocket between 2200-2800 Dhs ($600-$760) per student, per month. Takes a big chunk if you have a few kids there.
...aside from that your budgeting looks sound to me. Must have a small car though with payments like that.
Also, ASD's tuition just went up 22% and the seat fees also increased about 30% so once the little ones are in grades KG2 to grade 6 you will be out of pocket between 2200-2800 Dhs ($600-$760) per student, per month. Takes a big chunk if you have a few kids there.
...aside from that your budgeting looks sound to me. Must have a small car though with payments like that.
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Well its smaller than a hummer but bigger than a mini and with lot's of driving guzzles the gas.
Not really from Brisbane but would like to live there one day.
Not sure, but guessing ASD is American school Dubai, thus not putting my child there but thanks for the heads up.
Also agree with you, my budgeting is sound.
Rgds.
Not really from Brisbane but would like to live there one day.
Not sure, but guessing ASD is American school Dubai, thus not putting my child there but thanks for the heads up.
Also agree with you, my budgeting is sound.
Rgds.
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From someone who has been here a little longer with a couple of bigger kids:
Food & household: 8000
Car loan: 3000 dhs
Car Insurance: 600 dhs
Petrol: 1000 dhs
Satellite TV: 250 dhs
IPEP: Nil
EPC: 420 dhs (income protection)
Internet: 250 dhs
Phone calls: 350 dhs
Mobiles: 600 dhs
Maid: 1700 dhs
Gardener: 150 dhs
Holiday Fund: 0 dhs
Misc:0 dhs
Eating out: 2000 dhs
Schools: 500 dhs
Entertainment For Kids: 1500
Golf Membership: 1000
Staff Travel/Trips to see Grand Parents/ Summer Away: 2300
Total: 24,120 dhs
Thats the other end of the spectrum. You do not want to know how much I spend on my mortgage. Extras he will have to cover in the future include: Ents for either him or the family or the cost that is currently bleeding me dry, my family out of town for the summer with no place to stay! Believe it or not I don't have a 5* lifestyle and I don't go out anymore than I did when I lived at home.
What you can see is that Alby's modest lifestyle costs nearly as much as a starting F/O earns and he has only one small child. No wonder I am always broke!
Food & household: 8000
Car loan: 3000 dhs
Car Insurance: 600 dhs
Petrol: 1000 dhs
Satellite TV: 250 dhs
IPEP: Nil
EPC: 420 dhs (income protection)
Internet: 250 dhs
Phone calls: 350 dhs
Mobiles: 600 dhs
Maid: 1700 dhs
Gardener: 150 dhs
Holiday Fund: 0 dhs
Misc:0 dhs
Eating out: 2000 dhs
Schools: 500 dhs
Entertainment For Kids: 1500
Golf Membership: 1000
Staff Travel/Trips to see Grand Parents/ Summer Away: 2300
Total: 24,120 dhs
Thats the other end of the spectrum. You do not want to know how much I spend on my mortgage. Extras he will have to cover in the future include: Ents for either him or the family or the cost that is currently bleeding me dry, my family out of town for the summer with no place to stay! Believe it or not I don't have a 5* lifestyle and I don't go out anymore than I did when I lived at home.
What you can see is that Alby's modest lifestyle costs nearly as much as a starting F/O earns and he has only one small child. No wonder I am always broke!
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Hi Schnowzer,
thanks for the comparison.
My friend has recently hired a maid through an agency and her salary is 200 US dollars per month, or approx 750 dhs.
Does your figure of 1700 dhs include flights home or health care etc.
Keep it coming guys.
Rgds.
thanks for the comparison.
My friend has recently hired a maid through an agency and her salary is 200 US dollars per month, or approx 750 dhs.
Does your figure of 1700 dhs include flights home or health care etc.
Keep it coming guys.
Rgds.
If you go thro' Ek, its 5000dhs per year for the visa alone, plus health card plus flight home every one or two years, plus 800-1200 dhs per month so 1700 dhs per month all in looks spot on.
I think the figure of 750dhs looks a bit on the low side, maybe part time 3-4 hours on a couple of days per week would be about 750...
Schnowzer's figures look pretty good all round cant really argue with any of them, although I pay about 350dhs for TV as I have 2 packages to get the channels I want and my kids are a bit young for entertainment but they cost in other ways.
I think the figure of 750dhs looks a bit on the low side, maybe part time 3-4 hours on a couple of days per week would be about 750...
Schnowzer's figures look pretty good all round cant really argue with any of them, although I pay about 350dhs for TV as I have 2 packages to get the channels I want and my kids are a bit young for entertainment but they cost in other ways.
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Ipep & Epc
Just a quick heads-up to you if you have both IPEP and EPC salary continuance. It is my understanding that IPEP will take into account before any payouts, income/benefits received from other insurance policies. You would be wise to confirm with the IPEP administrator whether this is definitely the case but I think if you have both policies you are effectively flushing the IPEP premiums down the toilet as if EPC pay, they wont. I stand to be corrected however I cant see a situation whereby two insurance companies combine to pay you 150% of your salary if you lose your license.
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Oblaaspop,
Good question and I know where you are coming from? But that said, things are different here and I am not looking for any sympathy, just telling you where my cash goes.
My wife works part-time and a maid is not a luxury here but a necessity to help look after the kids. We used to have baby sitters and family, that option is now not available so we have to stump up the spondoolies or move the mother-in-law over (NOT!). At home I still played golf.
You could take the view that I don't need a maid and then my wife would never leave the house whilst the kids are at home. That kind of defeats the point of coming to Dubai: "Hey honey lets go to Dubai, I'll fly around the world and go out with my mates; you stay in your nice little prison with the kids until they grow up."
You could take the view that I don't need a gardener, we tried that once and the garden died over the summer. Working in 50° heat also kind of defeats the point of being here but it isn't a worry for many because most EK housing doesn't have a garden anyway! That said, in the states most people have a garden service and that sure as hell costs more than $40/mth.
You could take the view that I don't need to play golf but what else is there to do? Golf at home cost about 700 aed/mth so that 300 aed is hardly a life changing increase
So the maid at $463/mth is a necessity for my wife to work without any family or community support. The gardener costs $40/mth and the golf an extra $80 over the cost at home. I could reduce my outgoings by 11% and give my wife and myself no life, not a great trade.
I think the point I would make is that being so far from home has massive additional costs, some that you tend not to think about. We all know the phone will cost but..... Childcare with no family, 'holidays' away to see the family or so your kids escape the heat and some jobs that you just don't want to do in 50° heat. You'll see I put 'holidays' in brackets and that is because I don't view the annual traipse home, living out of a suitcase in someone else's house as a holiday. It was fine the first year but then it became a less and less enjoyable chore. As the grand parents get older they don't want to travel as much and if you want your family to stick together it will cost. It always makes me laugh that we fly the family thousands of miles to see home and so called 'friends' can't be asked to drive 30 miles to come and visit. (Yeah I know, a personal problem!)
I could save all my cash and I know a lot of guys that have a short term plan to make the cash and escape. Some do but many of them start short term and stay, ending up as miserable old gits with bigger bank accounts. I take the view that everyday here now is at least as valuable as a day I hope to see in the future. Anyway, with my luck if I saved all my cash I'd be run over by a tractor at the airport going home.
As I said before, not looking for any sympathy. But playing 'Devils Advocate' - your necessities change and.....You spend a long time dead!
Schnowzer
Good question and I know where you are coming from? But that said, things are different here and I am not looking for any sympathy, just telling you where my cash goes.
My wife works part-time and a maid is not a luxury here but a necessity to help look after the kids. We used to have baby sitters and family, that option is now not available so we have to stump up the spondoolies or move the mother-in-law over (NOT!). At home I still played golf.
You could take the view that I don't need a maid and then my wife would never leave the house whilst the kids are at home. That kind of defeats the point of coming to Dubai: "Hey honey lets go to Dubai, I'll fly around the world and go out with my mates; you stay in your nice little prison with the kids until they grow up."
You could take the view that I don't need a gardener, we tried that once and the garden died over the summer. Working in 50° heat also kind of defeats the point of being here but it isn't a worry for many because most EK housing doesn't have a garden anyway! That said, in the states most people have a garden service and that sure as hell costs more than $40/mth.
You could take the view that I don't need to play golf but what else is there to do? Golf at home cost about 700 aed/mth so that 300 aed is hardly a life changing increase
So the maid at $463/mth is a necessity for my wife to work without any family or community support. The gardener costs $40/mth and the golf an extra $80 over the cost at home. I could reduce my outgoings by 11% and give my wife and myself no life, not a great trade.
I think the point I would make is that being so far from home has massive additional costs, some that you tend not to think about. We all know the phone will cost but..... Childcare with no family, 'holidays' away to see the family or so your kids escape the heat and some jobs that you just don't want to do in 50° heat. You'll see I put 'holidays' in brackets and that is because I don't view the annual traipse home, living out of a suitcase in someone else's house as a holiday. It was fine the first year but then it became a less and less enjoyable chore. As the grand parents get older they don't want to travel as much and if you want your family to stick together it will cost. It always makes me laugh that we fly the family thousands of miles to see home and so called 'friends' can't be asked to drive 30 miles to come and visit. (Yeah I know, a personal problem!)
I could save all my cash and I know a lot of guys that have a short term plan to make the cash and escape. Some do but many of them start short term and stay, ending up as miserable old gits with bigger bank accounts. I take the view that everyday here now is at least as valuable as a day I hope to see in the future. Anyway, with my luck if I saved all my cash I'd be run over by a tractor at the airport going home.
As I said before, not looking for any sympathy. But playing 'Devils Advocate' - your necessities change and.....You spend a long time dead!
Schnowzer