Cost of Living in Costa Rica

Here is what one couple actually spent in July 2014 (they publish it):

Note that Retire for Less was their goal and is the name of their newsletter

From “Hanging Bridges” Costa Rica by Charlie
Click to enlarge
Chris Howard (my tour leader) has long lists of the cost of everything in his book and budgets at these two levels he says people are actually living on. Bottom line is that everything is not cheap, but you can live on your income or what you budget to live on if you don’t live too luxuriously:

Here is an example of a budget for a single person who has no more than $1500:
Rent  …………………………………………………………………………………$200 to $300
Electricity and water  ………………………………………………………….$20
Cable TV  ………………………………………………………………………….$25 Monthly Public Transportation ………………………………………………………….$50
Monthly public health insurance (medicines included)  ……………$50
Food  ………………………………………………………………………………..$200 Entertainment  ……………………………………………………………………$100 -$150
Misc.  ……………………………………………………………………………….$200

How to live like a king or queen on $3000 or $4000
When you read the title of this article you will  probably think that it is impossible to live so cheaply and so well. This  is especially true if you reside in an expensive area of the U.S. like  California. You could probably scrape by on a few thousand dollars a month up north but you certainly wouldn’t be living in luxury. Let’s see why the title of this article is true. A couple who owns a $150,000 home (three  bedrooms and three baths) free  and clear and has a car will probably  have the following monthly expenses in Costa Rica.
 Private medical  insurance ……………………………………………….$200
Dental care  ……………………………………………………….$50 per month
A part time maid  …………………………………………………$100 to  $150
Part time gardener  …………………………………………………………….$30
Beauty parlor  …………………………………………………………………….$75
Food including inexpensive fruits and vegetables from a Farmer’s market and many  imported  American products  …………………………………….$500 per month
Entertainment (movies,  socializing)  ……………………….$200- $300
Dining out a couple of times a week   ……………………………….$300
Private gym  ……………………………………………$50 – $100 per couple
Country Club (after initial fees) …………………………………$100 to $200 per month
Car insurance for a relatively new car   …………………………….$100
Utilities (water and electricity)  ………………………………………..$100
Telephone (using Vonage or  Skype for long distance) ……. $75-$100
High speed Internet  …………………………………………………………..$50
Cable or  satellite TV  …………………………………………………………$50
Car repairs  …………………………………………………………………………$50
Garbage  ……………………………………………………………….$40 per year
Property taxes  on your $150,000 home  …………………….$20 per month
Misc. expenses  …………………………………………………………………$300
Travel to U.S. or other countries  ……………………$3000-$5000 or more per  year

Really your lifestyle determines what you will spend here. You can  choose to spend a lot more money if you are a high roller or yuppie type   or substantially less if you wish to live modestly. I know single people  who live for less than $1000 per month and others who have expensive tastes  who spend what they would in the States. Nevertheless, you can live very well  on the budget above. I should know because I have lived here almost 30 years  and buy and do everything I want for under $4,000 monthly.

HARD CHOICES

Fresh Produce Available Everywhere Year Around
My photo of street market in Puntarenas.

Yeah! I know that is the title of Hillary’s book and I still intend to read it, though now it will have to wait until after my exploration trip to Costa Rica. I’ve read only a part of the introduction but decided I would finish my Ann Patchett book, State of Wonder and some more of these Costa Rica books first. But with this decision looming soon for me, I share many of Hillary Clinton’s feelings on making decisions:

When making decisions, I like her, “follow my heart and my head.” And sometimes my heart wins out over my head, though here I’m trying to use both as you may have seen in this blog.

Hillary says, “All of us face hard choice in our lives . . . Life is about making such choices. Our choices and how we handle them shape the people we become.” And this choice is certainly going to shape who I become for the rest of my life!

I’ve had some friends ask me if I’m out of my mind? Crazy? While other just look at me with that look in their face. One dear friend was concerned about my future medical needs as a senior citizen, thinking of primitive medical services like I had in The Gambia. Hopefully she was relieved when I told her that the modern and efficient medical system in Costa Rica is ranked above what we have in the United States by the World Health Organization and at about a fourth the cost.

Likewise, friends read about problems in Nicaragua, El Salvador, and Honduras and think all of Central America is overrun with drug gangs and rampant crime. Not so in Costa Rica! It is one of the most successful and peaceful democracies in the world. It is a well-educated population with near 100% literacy rate. And on the “Happiness Index” it is always one of or the highest ranking countries in the world. I’m checking out all of these concerns very well.

And for those who still ask “Why are you considering this?” I refer to one of my first posts on this blog, June 28, titled Why I’m Considering a Move to Costa Rica. Also see 10 Reasons to Go to Costa Rica, which applies to tourists as well as possible expats. Note that on this list I would substitute nature photography for the surfing. (I might try surfing once, but its not likely to be my thing!) After the trip I will have more refined lists of both reasons to move and not to move. Pray for good choice-making. 

10 Reasons to Go to Costa Rica

One View from a Rainforest Trail
In Corcovado National Park by Me

10 Reasons to Go to Costa Rica is one of the later posts on Chris Howard’s “Living in Costa Rica Blog” could almost all be my reasons for both visiting and moving there. I would just substitute nature photography and affordable living for the zip-lining and surfing.  🙂  Check out his article and continue to watch his blog which is probably the best one on living in Costa Rica! Or if you just want the 10 reasons, I’m copying here:

1. To find happiness

Costa Rica has been ranked as one of the happiest countries in the world, based on its high quality of life, good life expectancy rate and small ecological footprint. The country abolished its army in 1949, and it’s been one of the most peaceful countries in Latin America for the past five decades. The main saying in Costa Rica is “Pura vida” which means the good life – something that people say all the time, with big smiles on their faces. Often when you ask people how they are, they respond with “Pura vida”. It’s inspiring, infectious and incredibly heart warming to spend time in a country that has so much invested in being joyful. The rest of the world could definitely learn a thing or two from Costa Ricans’ approach to life.

2. Eco tourism

I’ve never been to a country that wears its green credentials on its sleeve as proudly as Costa Rica does. The country is one of the top eco-tourism destinations in the world, and it’s easy to see why: over a quarter of Costa Rica is protected land, the government is very active in conservation efforts and the country plans to become the first carbon neutral nation by 2021. Costa Rica’s eco commitment doesn’t seem like tokenism: the local people and guides we met were genuinely enthusiastic about conservation, most hotels have watercoolers to encourage guests not to buy plastic water bottles, and there are recycling bins almost everywhere you go.

3. Birds

Costa Rica has a whopping 900 species of birds, from the incredibly beautiful green-and-red resplendent quetzal (which I was lucky enough to see while zip lining through Monteverde Cloud Forest) to glorious scarlet macaws and 54 species of jewel-coloured hummingbirds. In just over a week of travelling through Costa Rica we saw dozens of species, including the elusive great potoo, the pretty northern jacana and four species of herons. I’ve been teetering on the edge of becoming a birder, but Costa Rica was the trip that took me to the other side: I’m now a committed twitcher.

4. Wildlife

Costa Rica is staggeringly diverse when it comes to wildlife. With half a million species, it’s home to 4% of the world’s total species, which is quite something for a relatively small country. In fact, it’s considered to be one of the planet’s most biodiverse nations. Expect to see butterflies, frogs, (incredibly cute) sloths, snakes, loads of monkeys, anteaters, caimans, bats and iguanas. More rare are the cats: jaguars, ocelots and pumas.

All over Costa Rica there are opportunities to encounter the country’s wildlife, whether it’s going on a canal cruise in Tortuguero National Park under tunnels of trees (which felt like being in the Amazon), or a catamaran cruise with dolphins in Manuel Antonio National Park, or walking through the misty Monteverde Cloud Forest. The best thing is that Costa Rica’s amazing animals are everywhere: monkeys hanging out in the trees outside your room (or even inside your room), sloths sleeping in trees next to the highway and crossing the path next to the park entrance and raccoons coming to watch you eat a post-hike snack in the car park.

5. Forests

What I loved most about Costa Rica was its magical forests, where time seemed to stand still the air was alive with the sound of insects and birds and everything smelled like green. Much of the country is forested with either humid, tropical rainforests and misty, cool cloud forests, which you can explore on guided hikes and by walking on shaky suspension bridges.

6. Zip lining (and other adventures)

Costa Rica is an adventure lover’s dream destination. Just about everywhere you go in the country there seems to be some kind of adrenaline-inducing adventure on offer, from white water rafting to zip lining through forests. My favourite adventure was cayoneering in the Lost Canyon near Arenal volcano, which involved abseiling down sheer rock faces and scrambling through the canyon and jumping into cold poolsunder a cover of huge trees.

7. Beaches

Costa Rica has two coasts – the Pacific on the west and the Caribbean on the east – lined with over 1500 kilometres of beautiful beaches, with sand ranging from cappuccino to icing sugar, flanked by palm trees and rainforests. My favourite beach was in Manuel Antonio National Park on the Pacific side. Not only was it a perfect beach, with a long stretch of white sand and palm trees for shade, but to get there you have to walk through a forest where you can spot sloths, birds, lizards and monkeys – so you get a wildlife walk and beach bumming in one.

8. Turtles

Tortuguero National Park, on Costa Rica’s Caribbean coast, is the Western hemisphere’s main nesting site for green turtles: during the nesting season (April to October) there are as many as 700 turtles laying their eggs on a 30-kilometre stretch of protected beach. You can hire a certified guide to take you to the beach at night to watch turtles nesting – a truly magical wildlife experience which feels like watching a dinosaur in action.

9. Volcanoes

Costa Rica sits on the Pacific Ring of Fire (almost a Johnny Cash song) – an area of high volcanic activity. The country has 122 volcanoes, of which four of active. The most famous of Costa Rica’s volcanoes is Arenal, which was active up until 2010: it hasn’t spewed lava since then, but it does smoke constantly (which makes for great photos). Around Arenal and some of Costa Rica’s other volcanoes you can go hiking and mountain biking on lush hilly slopes and (my favourite) soak in hot springs. There are hot springs all over the place in the area around Arenal, and many hotels have their own hot springs, or you can go to ahot spring resort and spend an evening swimming around in pools as warm as a bath, drinking pina coladas (highly recommended).

10. Surfing

Surfers love Costa Rica: the swells and breaks are great, water is warm year-round and the surf is good on both the Caribbean and Pacific sides. There are plenty of surfing schools and retreats lining the coasts, especially on the Pacific (where you can find the best waves during the rainy season from May to November.

This blog post was originally published on Duff’s Suitcase.  This article, 10 reasons to go to Costa Rica, was originally posted on the Getaway Blog by Sarah Duff.

 

— o —

Another reason I am so seriously considering the move is that I plan to expand what little online business I have to give a better supplement to my meager pension and I can do it just as easy from Costa Rica as I can from Tennessee. In fact I have just enrolled in an online class to help me build a strong online business that really works. We will see! But I’m believing it will happen and will include a lot more than me just trying to sell my nature photos. So that could be my eleventh reason to move!   🙂

—2020 DISCLAIMER: Looking back at the above paragraph today made me realize I should say that the online course ordered from International Living Magazine was a big hoax and I quit before finishing, losing money. Yes, some people make money online – but what they were pushing was not for me! I get by fine on my pension and Social Security and have never tried to make additional money since moving here. Live simple!   🙂

Two weeks from today I go on the tour with Chris Howard. I’m excited and now I’m now looking for reasons why I shouldn’t move. I’ll share my list later, but so far more positive than negative. The two-week trip will probably be the decider.

17 Reasons You Shouldn’t Move to Costa Rica

With Caravan.com Tour on Guanacaste Beach

The couple whose website I referenced yesterday has this partly tongue-in-cheek list of negatives they made after one visitor accused them of being too positive about living in Costa Rica. A lot of these have to do with San Ramon where they live which is not likely where I will live, but who knows now?  🙂

Just click this link and see some negatives that could apply to your preferences.
http://retireforlessincostarica.com/2013/04/17-reasons-why-you-shouldnt-move-to-costa-rica/

I’m working on my on list which is more comparative to where I live now to help me in making the final decision. I’ll share that later since it is still in process. 

10 Qualities of Successful Expats

Some of my most practical research information comes from current expats in Costa Rica who write blogs, newsletters or even have websites. One of my newest discoveries is a site and newsletter by Paul & Gloria Yeatman with their website at www.retireforlessincostarica.com and I just signed up for their newsletter. By doing so I received a “free gift” of a linked document titled

The Top 10 Qualities of Successful Expats in Costa Rica

You might be able to see it at this link if not coded for subscribers only!  🙂
http://retireforlessincostarica.com/wp-content/uploads/2013/10/Top-10-Qualities-of-Successful-Expats-in-Costa-Rica.pdf

In case not, here are the ten characteristics without the wonderful, detailed discussion of each:

  1. Do your homework. 
  2. If you are married, both of you must agree.
  3. Rent for at least one year.
  4. Enjoy the simple things of life.
  5. Have a positive attitude!
  6. Learn to speak Spanish. 
  7. Join the Caja (national health care system).
  8. Hook into the local Tico culture. 
  9. Hook into the local Expat community. 
  10. Get involved . . . volunteer. 
Now if you have been reading my blog or know me, you know that these are all things I aspire too already, but it was encouraging to see them listed in this way. Hope you can get to the whole document with the above link! And isn’t my research a lot of fun! 

No “Perfect Decision”

I loved the little article in today’s The Tennessean newspaper’s business section on decision making: Why no decision may be worst decision. (Go ahead and read it!)

Of course mine is not exactly a business decision and I really have only two choices: to go or not go. But I like the idea from Roosevelt that the worst thing to do is no decision. In my case not even considering the move or evaluating every aspect of it would be like no decision since it has been a dream for a good while. This way, IF I decide to not go, I will have considered it thoroughly and have specific reason(s) for not going.

The author, Ed Rappuhn, suggests 4 steps to follow in making business decisions and they mostly apply to me. Instead of profitability, affordability and improved life is my goal and I think I am doing all four of these things as I continue to research:

1. Identify your choices. Remember, maintaining the status quo is one choice.
2. Consider the possible outcomes (benefits vs. cost) of each choice.
3. Establish the probability of each outcome.
4. Determine, based on the probability of the outcomes, which choice has the greatest value.

A Grand Exit or Powerful New Start?

That’s the name of today’s post in my His Spirit Blog which again today relates to my decision about Costa Rica. Today’s sermon was a stretch to relate to my decision, but in my mind during the service I was doing that. As Elisha ripped his clothing to pieces I thought about how hard it was going to be to get rid of all my stuff. But also like Elisha, to not change will keep me in my old unproductive rut. This post is based on 2 Kings 2:1-12. 

Is God Laughing at Me?

Possibly the most important post I’ve made yet on this Costa Rica decision process is on my spiritual blog called His Spirit with a post titled:

Is God Laughing at Me?

If you are following this decision-making process, I hope you click above and read that one post, my most thought-out post yet.  

If you want to hear God laugh . . .

When I ordered a good map of Costa Rica from Amazon.com I also grabbed a cheap little paperback titled The Golden Gringo Chronicles which is also the name of Bob Normand’s electronic newsletter about him retiring in Costa Rica.

The best thing tonight was at the end of Chapter 7 he used an often used quote from Iyanla Vanzant (without giving her credit) but one I hope to keep in mind during this whole process:

“If you want to hear God laugh, tell Him your plans.” 

Now, if I could just get God to tell me His plans for me! One of my prayers!

Bob lives in Quepos at Manuel Antonio National Park which was one of the first places I noted as a possibility for me, so that makes reading his book even more interesting. I intend to avoid the mistakes he made and that is one reason he wrote his true story book of retiring in Costa Rica.