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Old 08-03-2010, 01:08 PM
 
Location: France
24 posts, read 50,688 times
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Hi,

we are currently chewing over the idea of moving to San Raphael from France - Europe.

Could someone please give me a good idea of what sum one should budget as living costs per annum for two adults and three children?

We would have no mortgage to pay, so purely food, utility bills, schooling, food, healthcare etc.

thanks in advance
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Old 08-03-2010, 01:15 PM
 
Location: South Korea
5,242 posts, read 12,564,371 times
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You wouldn't even be paying rent?
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Old 08-03-2010, 01:33 PM
 
Location: France
24 posts, read 50,688 times
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No
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Old 08-03-2010, 02:04 PM
 
Location: Bella Vista, Ark
77,800 posts, read 98,068,611 times
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Quote:
Originally Posted by floatingjimi View Post
No
Even with no house payment, there is almost no way we can give you an amount you would need. Will you be working, will you need child care, are you thinking private schools? What about life habits? Do you like to go out a lot, will your kids be in youth activities, are you the indoor or outdoor type? As for health care, are you talking health care with or without insurance? I assume you will be working for a major cooperation, will your health insurance be covered? Are you going to have a car payment? You will need a car for sure, living in San Rafael.

Roughly: depending on your eating habits, figure a min of $150 a week, depending on the age of your kids and how frugal you are. I don't know about utilities. If the children will go to public school, you will only have school supplies which can run over $100 a child to get started every school year. The rest will be furnished by the school district, but you will have extra cir activities to consider as well. Add to this entertainment which can run as little or as much as you choose, phone service, either cell or land line, maybe both, computer internet costs, clothing, etc. This is certainly a rough estimate, and others will be able to give you better figures I am sure, but I am guessing, for a normal, not upscale living you will need about $60,000 a year.

Nita
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Old 08-03-2010, 02:23 PM
 
Location: France
24 posts, read 50,688 times
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No Mortgage, I am a retired police officer and will have my pension. I wil have no cars to pay for. Need to budget for schooling - if neccessary for the 5 and 7 year old - public or private. No child care, we will both be at home.

I need to budget for health care, car insurance, fuel, food, utilities, any other taxes.

In relation to going out etc, that's something I can look at once I get an idea of the basics.

The main thing is to get an idea of the basics.
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Old 08-03-2010, 02:36 PM
 
Location: South Korea
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Honestly I don't think it will be that different from France in terms of costs except for the cheaper taxes here. Sales tax is about 9% here, whereas the VAT in France is like 17% or 20%, I can't remember.

You will be putting a roof over your head in one of the most expensive parts of the world so I don't know what you mean by not having to pay for a mortgage or cars, but whatever, must be nice being a French policeman! But if you don't have to pay monthly payments on a house or cars that is a huge amount of money you don't have to pay per month.

Someone else can tell you what car insurance rates are here but it can depend on the kind of car, you can maybe go to insurance company websites and punch in your zip code and get rate quotes.

Health insurance can be expensive especially with kids, I expect you may have to pay $1000's per month for it.

Utility bills in coastal California can be pretty low, the main expense is running an air conditioning and using large appliances like a dryer but if you're near the coast you don't need air conditioning because the Pacific keeps everything cool. I don't know if San Rafael is cool enough in the summer that you don't need air conditioning all the time.
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Old 08-03-2010, 02:42 PM
 
Location: France
24 posts, read 50,688 times
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From the ale of our house and cars over here I would buy over there- hence no mortgage or car loans.

To give you an idea, it costs us around 40k dollars equivalent to live well here.

Kids school is free, medical insurance amount to 2k dollars a year - that's superb cover( different world).
The main outlay is food, utilitiesm, car insuarance ( have 5 cars here) and fuel. With that amount we manage to go on holiday at least twice a year
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Old 08-03-2010, 03:35 PM
 
Location: South Korea
5,242 posts, read 12,564,371 times
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Well gas is I guess like $3 to $3.10 for a gallon in the Bay Area. From this website []EIA file not found error message it looks like it's about $6 a gallon in France, so in San Rafael expect to pay half what you would pay in France.

The public schools in San Rafael I wold imagine are pretty good. Private school in the Bay Area can be very expensive, like $20,000 a year or more for one kid, depends on the school though. Public schools are free.

I don't know if $40,000 is enough to live on but again if you aren't paying for housing and cars every month then that cuts out a lot of expenses.
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Old 08-03-2010, 03:44 PM
 
473 posts, read 1,259,966 times
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San Rafael is in the heart of Marin County, which is one of the most expensive places to live in the entire US. You made a good choice, but you'll want to have plenty of cash.
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Old 08-03-2010, 11:25 PM
 
334 posts, read 1,024,309 times
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Unfortunately San Rafael does not have very good public schools compared to the rest of Marin(most use private schools here) unless you move to the Dixie school district within San Rafael, which is in specific neighborhoods in SR. Dixie is only good for elementary then you will go into the SR district for middle and highschools, which are average. You will need to research neighborhoods before selecting your home to ensure you are in that specific district. Private schools will start at around 20k for elementary up to 36k for high school. Catholic schools are a bit less. Marin has some very good private schools also.

The good public schools in Marin require a lot of parent support. Many top public schools here are almost entirely financed by parcel taxes, property tax, community support, and parent donations along the lines of 2k per year per kid is what is suggested. Still much cheaper than private though. You will also have to pay for any extra curricular activities, sports etc. your children want to participate in, and school supplies, lunches, transportation to/from school etc.

If you decide to eat quality, organic food, plan on spending at least 250 pw on groceries. Most people in Marin spend around $1200 on food and non perishables per month. Services here are fairly expensive as well. Haircuts, dentist, housecleaning, gardeners, car wash, etc. Medical can also be expensive if you need to see a doctor who does not take insurance, which is becoming more popular w/ certain types of doctors or specialists. I see a doctor in SF who charges $500 per visit and does not take my insurance.

Utilities will depend on how much you use. You will pay monthly for garbage, water, electric, cable, internet, phone, and gas. These will run you between 700-1000 per month for a family your size being conservative of your energy and water usage.

Marin is a really nice place to live, but it is also pricey in most areas.
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