My New Thailand Apartment

My apartment in Uttaradit Thailand.

After four different hotel rooms in four nights I am now settling down as I have rented a room for the next month. I did have some people interested in how to find an apartment in Thailand so I will share that process. This apartment hunt took place in a smaller city in Thailand and I was assisted by my Thai girlfriend so my search won’t be relevant to a lot of visitors to Thailand. I’ll probably move to Chiang Mai next month. My apartment hunt there will be more typical and I’ll share that process too.

This apartment costs 4500 baht a month which is about 141 U.S. dollars. There is also a 500 baht fee for weekly cleaning. This didn’t appear to be optional so adding this fee the price for the month is about $156. There is also a 100 baht per month charge for water and electricity costs 8 baht per unit. Since it is over 100 Fahrenheit every day right now the electric bill might be expensive. Like most apartments in Thailand a deposit of one month’s rent was also required. When I leave next month they will deduct the cleaning, water, and electric charges from the deposit and refund the rest to me. They let me use my credit card to pay for the rent and deposit which made things simpler.

The room isn’t quite as nice as the room I had in Chiang Mai. It doesn’t have a couch, kitchen, or a proper desk area. It also doesn’t have a fitness center. It has a pool, but you are charged for every use making it unlikely I’ll use the pool much. Since I never used the kitchen when in CM not having a kitchen doesn’t matter to me. It does have a small table with plastic chairs that I use when I’m tired of sitting/lying on the bed and when I’m using my laptop. This apartment was chosen mainly for its location. It is about a 20 minute walk away from the Tesco shopping center which in addition to the Tesco supermarket has a movie theater, several restaurants, and various other shops. Overall, I think it is a great deal for the money.

My apartment search for this room took just a few hours. My girlfriend drove me to several places which helped a lot since I wouldn’t have been able to walk everywhere and I wouldn’t have known where to go. Our first stop was a hotel that my GF knew and liked. From the outside it looked pretty nice, but they didn’t have any rooms available for monthly rental. Our second stop was a room in a small complex owned by GF’s cousin. This room was quite basic but acceptable considering the price of about $95 a month. I didn’t choose this room since it was a little far away from the supermarket and restaurants. Plus, I knew I could go up quite a bit in quality for not much more money. The third place we visited was the hotel I stayed at when I was here last year. They had a room available for 4500 baht per month. Since it was fairly close to shopping and restaurants and I knew I liked it after staying there last year we decided to rent this room. Since this was Sunday when we were looking we wouldn’t be able to sign the contract for the room until the next day.

On our way back to the hotel we came across another apartment building. They had lots of rooms available for just $3500 baht per month. The rooms were really old and dark and the building didn’t seem very clean so I passed on this place. After returning to our hotel we thought to ask if the hotel had monthly rooms. It turned out they did and I ended up renting my room from the hotel and cancelling the other room. If I would have asked at the hotel first we wouldn’t have had to do any apartment hunting. I think I would have been just as happy at the other 4500 baht per month hotel. Shopping is slightly closer to this hotel and it does have a pool if I want to use it so I decided this was a slightly better choice.

So I guess my advice for apartment hunting in Thailand is to ask at your hotel first or have your Thai girlfriend help you or both. Joking aside, I hope the apartment hunt information was somewhat helpful and/or interesting.

March Income – $5554.56

Here is a breakdown of my income for March.

Interest $6.51
Amazon FBA ($58.48)
Job $5719.42
Bank Bonus $125
Cashback $111.30
Dividends $19.21
Online ($368.40)
Total $5554.56

March was another great month for income. Although there were no tax refunds in March, I did have three paydays which gave a significant boost to my income. I also worked a little more overtime and upped my 401k contribution percentage to boost my pay a little.

There were two negative sources of income for the month. I didn’t have any Amazon FBA sales and I had one FBA return resulting in a loss for the month. I’m not doing too well with FBA so far this year. I’m only up about $9. That is not a very good return on my time invested. I should make at least a little from FBA this month. Amazon damaged one of my items and they should reimburse me for the item before the end of the month. I’m also going to send in a small shipment of items to sell.

My big negative income was my online income. I haven’t made any online income this year, but I have had expenses. I paid Bluehost (aff link)for three years of hosting. I considered transferring my hosting back to (aff link) Hostgator (my hosting provider before Bluehost) to get their introductory pricing, but ultimately decided I didn’t want to go through the ordeal of switching hosting providers.

I also transferred a domain name from GoDaddy to Namecheap and renewed the name for a year. Namecheap (aff link) is a little cheaper than GoDaddy and doesn’t charge extra to keep Whois information private so I plan to eventually transfer all my domain names to them.

I will make some online income this month. I will get paid by Adsense and I might get an affiliate commission as well.  Maybe if some people sign up through the hosting or domain name affiliate links in this post I might make it to positive income territory in the next couple of months.

My dividend income increased slightly for the month.  I only added $100 to my dividend portfolio in March since I’m saving for my Thailand trip. I did reinvest some dividends in more stock as well.  Before the year is out I should have enough monthly dividend income to pay my phone bill.

I made $125 from a bank  bonus. There won’t be any more bank bonuses for the next few months since they are difficult for me to manage when I’m out of the country and don’t have a check to direct deposit to qualify for the bonus. Some people make thousands each year from bank bonuses. That might be difficult for me to do since I don’t have the cash flow that they do, but making $1000 might be possible. I’ll pursue more bank bonuses once I return from Thailand.

I did great on cash back for the month. I had $57 of cashback from my Fidelity card automatically deposited into my IRA that I wasn’t even expecting so that was a nice surprise. I also had cash back from another credit card and two shopping portals. All the little sources of cash back add up to a helpful  bit of income.

April’s income will be quite a bit less since I’ll only have two paychecks and the second one won’t be for a full pay period. Income should still be quite a bit more than expenses so I can’t complain.

How was your month?

March Expenses – $1176.05

Here is a breakdown of my expenses for March.

Household$15.40
Rent$320.08
Entertainment$34.69
Transportation$258.54
Food$93.16
Travel$97.46
Phone$28.50
Student Loan$132.58
Health$195.64
Total$1176.05

My March expenses were up a bit from the previous months, but still pretty low. I didn’t quite manage to get my expenses under my target of $1000 for the month. For the year, I’m still averaging under $1000 a month. If I were able to keep my monthly average for the entire year under $1000 a month that would be great. That won’t be easy to do since I plan on getting over a $1000 of dental work done this year and there are always unplanned expenses sometime during the year. It will be a good goal to work towards.

Rent was low again because I’m paying my mom’s utility bill as rent while I’m staying with her. This month’s bill was almost the same as the previous month. This amount also includes the water and sewer. They all come on one bill from the city. This month I will be paying half a month rent for here and paying rent in Thailand which will probably result in a higher rent bill.

Transportation was for one tank of gas for my car and for six more months of car insurance. That is why this expense category is quite a bit higher for March. For April, this expense should go down quite a bit. I shouldn’t have to buy gas at all in the U.S. When traveling I will have to pay for some taxis or Grab to get me from airports to hotel and vice versa.

My food expense up a bit. I didn’t worry about trying to keep my food expense low at all. It is artificially low currently since my mom provides me with many meals and keeps the pantry stocked with snacks. This bill will go up a bit this month since I’ll be traveling and probably be buying a few meals for my girlfriend as well.

Travel expense was for one night hotel in Thailand, an airplane ticket from Bangkok to Phitsanulok, Thailand and travel insurance for the 2 1/2 months I will be out of the country. Last year, I didn’t have travel medical insurance when I went to Thailand. If I’d had a serious illness or injury that could have cost me a lot of money. Paying $57 for travel insurance that will cover a serious illness or injury seems like a great bargain. I hope I don’t have to use it.

Phone was for one month of Google Fi phone service and about $4 towards a new phone. I splurged and bought a new phone. My old phone had a dime size spot on the screen and the battery wasn’t lasting nearly as long as it used to last. Google had a Moto G6 on sale for just $99 with 24 months no interest financing. That made it just a little over $4 a month for the new phone. Making it even better they gave me a $50 trade-in for my old phone. After applying the trade-in I will just be paying a little over $2 a month for the new phone. So far the new phone has been working great and the battery lasts much longer. I’m very satisfied with this purchase from Google. If you sign up for Google Fi through my referral link we will each get $20 Fi credit after your account has been active for 30 days.

Health was for my March premium on my health insurance and for a dental visit. I managed to get some popcorn wedged way up under my gums and couldn’t get it back out. This was quite uncomfortable and paying $72 for the dentist to get it out was money well spent.

My entertainment expense was for two trip to the movies and popcorn. I also spent 99 cents for my monthly Hulu subscription. In Thailand I will be spending for me and my girlfriend so this expense will likely go up a bit.

The household expense was mostly for the taxes on my new phone purchase and a new phone case. If I have to buy supplies for a new apartment in Thailand this expense will go up this month.

March was a higher expense month for me and I did go over my monthly target of $1000 in expenses. Nevertheless, I’m satisfied with that level of expense considering what I received for my money. It was still a pretty low expense month by most people’s standards.   How was your month?

February Income – $6196.95

Here is a breakdown of my income for February.

Interest $1.78
Amazon FBA $67.26
Job $2850.96
Bank/Investment Bonus $202.67
Cashback $56.54
Dividends $14.07
Dietbet $35.67
Tax Refunds $2968.00
Total $6196.95

February’s income was great. I doubt I will have a better earning month this year.

My income was almost doubled by the almost $3000 of state and federal tax refunds I received. When you only work part of the year, they withhold way too much from your paycheck.  I suppose I should change my withholding, but I probably won’t bother.

My dividend income increased slightly for the month.  I’m going to keep investing in dividend stocks to keep increasing my dividend income. My investments will be limited the next few months due to needing to bulk up my cash savings to fund my Spring Thailand trip.

I worked full-time at my tax job for all of February. I received two full paychecks which was good. This month will be even better since I’ll have three paydays. Also, I have been authorized to work some overtime hours which will help increase the paydays.

I made a little bit from Amazon. I haven’t felt like sourcing on my days off so I don’t have much for sale right now. This total would have been a lot better if I wouldn’t have had a $200 item returned. You got to take the good with the bad on Amazon.  I also made a little bit from eBay which I forgot to add to this income total.

I made over $200 from a bank account and investment account bonus. I think bank bonuses give me the highest return for my time invested. I should really do more of them.

I won $35.67 from Dietbet by participating in three diet bets. I bet a total of $155 and the bet only lasted a month so that is a really good return on my money. I won’t be doing more of these for a while though because I found it quite difficult to lose the needed weight.  I’d rather be able to eat whatever I want for right now. I’ll worry about losing weight when I am in Thailand. It is much easier for me to lose weight there.

Even with the three paydays this month’s income will be quite a bit lower than February’s income. It will still be a good income month and I should have a good shot at making at least $5000.

How was your month?

February Expenses – $723.24

Here is a breakdown of my expenses for February.

Household$0
Rent$321.68
Entertainment$17.38
Transportation$29.51
Food$74.81
Travel$0
Phone$23.89
Student Loan$132.58
Health$123.39
Total$723.24

My February expenses were extremely low. I easily managed to get my expenses under my target of $1000 for the month. This month I tried to be extra frugal and had very little unnecessary spending. Having a shorter month helped too.

Rent was low because I’m paying my mom’s utility bill as rent while I’m staying with her. Since January was pretty cold electric was about $100 higher than the previous month. This amount also includes the water and sewer. They all come on one bill from the city. I expect this month’s bill to be about the same.

Transportation was for one tank of gas for my car. I went to Springfield (which is about an hour away) twice during the month. Without those two drives I wouldn’t have needed to put any gas in my car. Since I’m working at home I don’t drive at all most days. Living in a small town, when I do drive everything is close. I might not need to buy gas at all this month. I’m probably going to pay for six more months of car insurance this month so that will make this expense category quite a bit higher this month.

My food expense went down a lot. I cut way back on my meals out. I also had three free meals due to gift cards. I actually spent more on groceries than on meals out. I think that is the first time I’ve done that since starting this blog. There are no free meals this month so this expense will likely increase a bit.

This was the rare month where I didn’t have any travel expense. I’m probably going to buy some travel medical insurance this month which will cost about $260. I’ll also buy a plane ticket from Bangkok to Chiang Mai or elsewhere in Thailand. The plane ticket should cost less than $30. Those two expenses will result in a significant increase in this expense category for the month. Last year, I didn’t have travel medical insurance when I went to Thailand. If I’d had a serious illness or injury that could have cost me a lot of money. I’m playing it safe this year and purchasing the travel insurance. I hope I don’t need it.

Phone was for one month of Google Fi phone service. This is about as cheap as it gets. If you sign up for Google Fi through my referral link we will each get $20 Fi credit after your account has been active for 30 days.

Health was for my March premium on my health insurance. This month I might have a dentist visit which would boost this expense quite a bit. If I’m unable to see a dentist, then this expense will remain exactly the same.

My entertainment expense was for one trip to the movies. Since it was the end of the month and I hadn’t yet spent anything on entertainment I splurged on a large popcorn to go with my matinee ticket.

February was a super low expense month. March will be a higher expense month and I will likely go over my monthly target of $1000 in expenses. It will probably still be a pretty low expense month by most people’s standards though.   How was your month?