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World’s 20 Most Expensive And Affordable Cities To Live In

World’s 20 Most Expensive And Affordable Cities To Live In

Many different rankings of the world’s most affordable and expensive cities exist, but several fail to take into account different ways of life in other countries. For example, over populated countries that raise the price of registering a car in order to encourage residents to take public transit are often cited as more expensive countries. This does not take into account the fact that most residents in these countries do not typically own a car.

On the other hand, lists of the cheapest cities to live in usually do not take into account the lifestyle and safety of a place. For example, Haiti or Pakistan may be among the cheapest countries to live in, but civil unrest means you are unlikely to settle there. One ranking from Expatistan however, compares cities based on a slew of realistic purchases in food, living, entertainment, and transportation.

Among the 247 cities categorized, many fall in dangerous or underdeveloped regions. For this reason, and to compare a wide spread of locations, we’ve taken twenty cities out of Expatistan’s most and least expensive cities around the world. With these practical considerations in mind, these are 10 of the most expensive and affordable cities you’d want to live in:

Most Expensive

10. Hamburg, Germany

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    Gunther Wegner

    Ranked number 66 out of 247 cities, Hamburg is among the more affordable “expensive” cities. With nearly 2 million residents and an impressively temperate climate, Hamburg is one of the most attractive cities for expats.

    Average costs:

    • Fast food combo meal  $8
    • 1 litre of whole milk  $1.28
    • 1 kg of apples  $3.27
    • 2 litres of Coca-Cola  $2.81
    • Monthly rent for 85 square metre apt in expensive area $1 577
    • 1 pair brand name sports shoes $106
    • Monthly transit pass $92
    • 1 roll on deodorant $2.48
    • 2 tickets to movies $26
    • 1 pack of Marlboro cigarettes $7

    9. Vancouver, Canada

    1793982892_3ac7d7f535_b

      JamesZ_Flickr

      Also among the more affordable cities in the “expensive” list is Vancouver, Canada. Ranked 53 out of 247 cities, Vancouver boasts about 2.5 million residents in the greater metro area.

      Average costs:

      • Fast food combo meal  $7
      • 1 litre of whole milk  $2.47
      • 1 kg of apples  $2.75
      • 2 litres of Coca-Cola  $2.35
      • Monthly rent for 85 square metre apt in expensive area $2 124
      • 1 pair brand name sports shoes $125
      • Monthly transit pass $89
      • 1 roll on deodorant $3.98
      • 2 tickets to movies $23
      • 1 pack of Marlboro cigarettes $10

      8. Tokyo, Japan

      4092898500_572c94582e_b

        sebastien batardy

        The next most expensive city on our list is Tokyo, Japan, ranked number 37 out of 247 cities. Unsurprisingly, with nearly 38 million residents, this city is among the more expensive cities when it comes to rent.

        Average costs:

        • Fast food combo meal  $5.60
        • 1 litre of whole milk  $1.82
        • 1 kg of apples  $5.42
        • 2 litres of Coca-Cola  $2.29
        • Monthly rent for 85 square metre apt in expensive area $2 749
        • 1 pair brand name sports shoes $70
        • Monthly transit pass $92
        • 1 roll on deodorant $6
        • 2 tickets to movies $31
        • 1 pack of Marlboro cigarettes $3.88

        7. Honolulu, United States

        7109721751_2ce3abb315_b

          John Fowler

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          With only about a million residents in the greater Honolulu area, Honolulu’s isolated location in Hawaii likely accounts for it’s higher than average prices. Coming in at number 27 of 247 cities, this slice of paradise is still more affordable than New York City, Sydney or San Francisco.

          Average costs:

          • Fast food combo meal  $8
          • 1 litre of whole milk  $2.08
          • 1 kg of apples  $5.95
          • 2 litres of Coca-Cola  $2.47
          • Monthly rent for 85 square metre apt in expensive area $2 620
          • 1 pair brand name sports shoes $74
          • Monthly transit pass $80
          • 1 roll on deodorant $4.22
          • 2 tickets to movies $21
          • 1 pack of Marlboro cigarettes $10

          6. Amsterdam, Netherlands

          5238675948_3b5dd8fe83_b

            Moyan Brenn

            Originating as a small fishing village around the 12th century, Amsterdam has grown to a premiere European destination. Ranked 23rd out of 247 cities, Amsterdam sees slightly lower rent than other “most expensive” cities, but higher prices on day to day purchases.

            Average costs:

            • Fast food combo meal  $9
            • 1 litre of whole milk  $1.27
            • 1 kg of apples  $3.07
            • 2 litres of Coca-Cola  $2.57
            • Monthly rent for 85 square metre apt in expensive area $2 266
            • 1 pair brand name sports shoes $127
            • Monthly transit pass $113
            • 1 roll on deodorant $3.17
            • 2 tickets to movies $26
            • 1 pack of Marlboro cigarettes $8

            5. Paris, France

            6672156239_822c689d3d_b

              Moyan Brenn

              Ranked 14th out of 247 cities, Paris is home to some of the most famous destinations in the world, including the Louvre, the Eiffel Tower, and countless fashion and food events. While transit costs and basic groceries are average priced, on this list only New York City and Zurich cost more for rent.

              Average costs:

              • Fast food combo meal  $9
              • 1 litre of whole milk  $1.62
              • 1 kg of apples  $3.02
              • 2 litres of Coca-Cola  $2.98
              • Monthly rent for 85 square metre apt in expensive area $3 285
              • 1 pair brand name sports shoes $102
              • Monthly transit pass $81
              • 1 roll on deodorant $4.85
              • 2 tickets to movies $25
              • 1 pack of Marlboro cigarettes $9

              4. Sydney, Australia

              2553570276_1106779499_b

                Corey Leopold

                Another popular tourist destination, Sydney is ranked 13th most expensive by Expatistan. While rent costs are lower than some of the other “most expensive” cities on this list, more expensive transit and consumer goods push this city higher in the rankings.

                Average costs:

                • Fast food combo meal  $7
                • 1 litre of whole milk  $1.40
                • 1 kg of apples  $3.60
                • 2 litres of Coca-Cola  $3.05
                • Monthly rent for 85 square metre apt in expensive area $2 708
                • 1 pair brand name sports shoes $123
                • Monthly transit pass $127
                • 1 roll on deodorant $3.80
                • 2 tickets to movies $33
                • 1 pack of Marlboro cigarettes $17

                3. New York City, United States

                10842014626_6e48b04fa1_h

                  Roman Iakoubtchik

                  Number 7 of 247 cities, New York City sees high prices for most goods and services. With about 8.5 million residents, New York also is among the most pricey for rent costs.

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                  Average costs:

                  • Fast food combo meal  $7
                  • 1 litre of whole milk  $1.54
                  • 1 kg of apples  $3.92
                  • 2 litres of Coca-Cola  $2.19
                  • Monthly rent for 85 square metre apt in expensive area $4 075
                  • 1 pair brand name sports shoes $85
                  • Monthly transit pass $114
                  • 1 roll on deodorant $4.13
                  • 2 tickets to movies $28
                  • 1 pack of Marlboro cigarettes $13

                  2. Oslo, Norway

                  4468389726_8b2b18e43d_b

                    2Tales

                    Oslo, the capital of Norway, ranks 4th most expensive out of 247 cities around the world. Though rent costs fall below those in New York or Paris, Oslo sees higher costs on groceries, transit and other goods.

                    Average costs:

                    • Fast food combo meal  $14
                    • 1 litre of whole milk  $2.36
                    • 1 kg of apples  $2.91
                    • 2 litres of Coca-Cola  $4.55
                    • Monthly rent for 85 square metre apt in expensive area $2 883
                    • 1 pair brand name sports shoes $134
                    • Monthly transit pass $107
                    • 1 roll on deodorant $5.90
                    • 2 tickets to movies $33
                    • 1 pack of Marlboro cigarettes $15

                    1. Zurich, Switzerland

                    11875643915_13dc8540e9_k

                      kuhnmi

                      According to Expatistan, Zurich is the most expensive city to live in in the world. On average, from fast food to rent to entertainment, purchases in this Swiss hub cost more than anywhere else.

                      Average costs:

                      • Fast food combo meal  $14
                      • 1 litre of whole milk  $1.76
                      • 1 kg of apples  $3.58
                      • 2 litres of Coca-Cola  $2.71
                      • Monthly rent for 85 square metre apt in expensive area $3 594
                      • 1 pair brand name sports shoes $154
                      • Monthly transit pass $97
                      • 1 roll on deodorant $6
                      • 2 tickets to movies $38
                      • 1 pack of Marlboro cigarettes $8

                      Most Affordable

                      10. Valencia, Spain

                      valencia

                        Felivet

                        Velencia is the third largest city in Spain, with about 2.5 million residents in the greater metro area. Ranked 165th, this city also boasts affordable rent, transit and consumer goods. 

                        Average costs:

                        • Fast food combo meal  $8
                        • 1 litre of whole milk  $1.40
                        • 1 kg of apples  $2.18
                        • 2 litres of Coca-Cola  $1.78
                        • Monthly rent for 85 square metre apt in expensive area $1 006
                        • 1 pair brand name sports shoes $93
                        • Monthly transit pass $52
                        • 1 roll on deodorant $3.94
                        • 2 tickets to movies $21
                        • 1 pack of Marlboro cigarettes $5.97

                        9. Bangkok, Thailand 

                        7032083211_a730e00ce8_k

                          Evo Flash

                          Since Thailand is known for affordable vacations, it should be no surprise that Thailand is one of the more affordable cities to live in, ranking 194th out of 247 cities. Despite nearly 15 million residents in the greater Bangkok area, rent for this city remains accessible.

                          Average costs:

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                          • Fast food combo meal  $4.64
                          • 1 litre of whole milk  $1.34
                          • 1 kg of apples  $2.68
                          • 2 litres of Coca-Cola  $1.16
                          • Monthly rent for 85 square metre apt in expensive area $1 200
                          • 1 pair brand name sports shoes $106
                          • Monthly transit pass $28
                          • 1 roll on deodorant $2.93
                          • 2 tickets to movies $11
                          • 1 pack of Marlboro cigarettes $2.57

                          8. Lima, Peru

                          9444298324_6e28dfb861_k

                            Serious Cat

                            With a bustling population of about 8.5 million, Lima is not only the capital of Peru, it is the fifth largest city in North and South America. Despite a high population density, this city offers affordable groceries, rent and transit.

                            Average costs:

                            • Fast food combo meal  $4.84
                            • 1 litre of whole milk  $1.28
                            • 1 kg of apples  $1.95
                            • 2 litres of Coca-Cola  $1.96
                            • Monthly rent for 85 square metre apt in expensive area $1 006
                            • 1 pair brand name sports shoes $95
                            • Monthly transit pass $27
                            • 1 roll on deodorant $4.91
                            • 2 tickets to movies $11
                            • 1 pack of Marlboro cigarettes $2.67

                            7. Budapest, Hungary

                            8082258732_dd1e56bdd8_k

                              Moyan Brenn

                              Another affordable European city is Budapest, capital of Hungary. Ranked 208th, Budapest not only offers cheap cost of living, it is a UNESCO World Heritage Site.

                              Average costs:

                              • Fast food combo meal  $5.74
                              • 1 litre of whole milk  $1.12
                              • 1 kg of apples  $1.20
                              • 2 litres of Coca-Cola  $1.57
                              • Monthly rent for 85 square metre apt in expensive area $669
                              • 1 pair brand name sports shoes $90
                              • Monthly transit pass $40
                              • 1 roll on deodorant $2.87
                              • 2 tickets to movies $14
                              • 1 pack of Marlboro cigarettes $4

                              6. Casablanca, Morocco

                              Parc_de_la_Ligue_Arabe,_Casablanca

                                Unknown

                                Slightly more affordable than Budapest is Casablanca, Morocco, coming in at 210 out of 247 cities. While rent in Casablanca is higher than several of our most affordable cities, residents get a break on the price of transit, groceries and consumer goods.

                                Average costs:

                                • Fast food combo meal  $5.81
                                • 1 litre of whole milk  $0.83
                                • 1 kg of apples  $1.83
                                • 2 litres of Coca-Cola  $1.35
                                • Monthly rent for 85 square metre apt in expensive area $1 098
                                • 1 pair brand name sports shoes $78
                                • Monthly transit pass $21
                                • 1 roll on deodorant $3.33
                                • 2 tickets to movies $13
                                • 1 pack of Marlboro cigarettes $3.72

                                5. Prague, Czech Republic

                                St Charles Bridge Prague

                                  Jorge Royan

                                  Also on the list of UNESCO World Heritage Sites is Prague, ranked 211th out of 247 cities. Another top European city for cheap cost of living, this city is also home to a temperate climate and is consistently ranked as a top vacation destination.

                                  Average costs:

                                  • Fast food combo meal  $5.81
                                  • 1 litre of whole milk  $0.95
                                  • 1 kg of apples  $1.36
                                  • 2 litres of Coca-Cola  $1.59
                                  • Monthly rent for 85 square metre apt in expensive area $962
                                  • 1 pair brand name sports shoes $79
                                  • Monthly transit pass $25
                                  • 1 roll on deodorant $2.99
                                  • 2 tickets to movies $14
                                  • 1 pack of Marlboro cigarettes $3.57

                                  4. Bucharest, Romania

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                                  8020977260_94c7cde397_k

                                    Mario Sánchez Prada

                                    With around 2 million residents, Bucharest is the center of Romanian culture and art. This eastern European city is ranked 214th, making it another affordable option with a rich cultural past.

                                    Average costs:

                                    • Fast food combo meal  $5.13
                                    • 1 litre of whole milk  $1.33
                                    • 1 kg of apples  $1.09
                                    • 2 litres of Coca-Cola  $1.65
                                    • Monthly rent for 85 square metre apt in expensive area $800
                                    • 1 pair brand name sports shoes $80
                                    • Monthly transit pass $16
                                    • 1 roll on deodorant $4.22
                                    • 2 tickets to movies $13
                                    • 1 pack of Marlboro cigarettes $4.08

                                    3. Krakow, Poland

                                    5214905_ddee0e6f0e_b

                                      Craig Wyzik

                                      One of the oldest cities in Poland, Krakow is ranked 217th on the list of most expensive cities. Affordable living expenses and commercial goods make this city an ideal place to settle for expats.

                                      Average costs: 

                                      • Fast food combo meal  $5.05
                                      • 1 litre of whole milk  $0.83
                                      • 1 kg of apples  $1.05
                                      • 2 litres of Coca-Cola  $1.68
                                      • Monthly rent for 85 square metre apt in expensive area $909
                                      • 1 pair brand name sports shoes $73
                                      • Monthly transit pass $27
                                      • 1 roll on deodorant $3.15
                                      • 2 tickets to movies $12
                                      • 1 pack of Marlboro cigarettes $3.76

                                      2. Lodz, Poland

                                      8076430869_84885dca06_b

                                        Ministry of Foreign Affairs of the Republic of Poland

                                        Also located in Poland, Lodz is centrally located with about 1.5 million residents in the greater metro area and sits at number 227 out of 247 cities. Another affordable European city, Lodz is a relatively safe and secure city boasting impressively accessible cost of living.

                                        Average costs:

                                        • Fast food combo meal  $5.19
                                        • 1 litre of whole milk  $0.86
                                        • 1 kg of apples  $0.85
                                        • 2 litres of Coca-Cola  $1.51
                                        • Monthly rent for 85 square metre apt in expensive area $706
                                        • 1 pair brand name sports shoes $85
                                        • Monthly transit pass $24
                                        • 1 roll on deodorant $3.22
                                        • 2 tickets to movies $13
                                        • 1 pack of Marlboro cigarettes $4.01

                                        1. Delhi, India

                                        6849982923_9b58efd08d_b

                                          VasenkaPhotography

                                          Delhi, the capital of India is the most affordable city to make it onto our list, ranked 239th out of the 247 most expensive cities. Known for it’s high population density and rich history, Delhi is truly a hotspot for those looking for affordable international destinations.

                                          Average costs:

                                          • Fast food combo meal  $3.93
                                          • 1 litre of whole milk  $0.74
                                          • 1 kg of apples  $1.92
                                          • 2 litres of Coca-Cola  $1.11
                                          • Monthly rent for 85 square metre apt in expensive area $502
                                          • 1 pair brand name sports shoes $56
                                          • Monthly transit pass $17
                                          • 1 roll on deodorant $2.70
                                          • 2 tickets to movies $8
                                          • 1 pack of Marlboro cigarettes $2.72

                                          All prices are in US dollars, based on conversion rates in November 2014. See Expatisan’s full city ranking here.

                                          Featured photo credit: sebastien batardy via flickr.com

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                                          Alicia Prince

                                          A writer, filmmaker, and artist who shares about lifestyle tips and inspirations on Lifehack.

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                                          Last Updated on April 3, 2019

                                          How to Nix Your Credit Card Debt in Less Than 3 Years

                                          How to Nix Your Credit Card Debt in Less Than 3 Years

                                          Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

                                          By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

                                          This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

                                          Hint: there are ways that are easier than you think.

                                          1. Consider Consolidating Multiple Credit Cards If Possible

                                          This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

                                          It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

                                          Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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                                          Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

                                          My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

                                          Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

                                          2. Try to Pay the Full Balance You Spent Each Month at the Very Least

                                          You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

                                          Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

                                          If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

                                          3. Pay Extra When You Can – Every Small Amount Counts

                                          This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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                                          It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

                                          4. Create a Plan on How to Pay Extra

                                          Back to the main point, having this plan is giving you one less thing to think about.

                                          This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

                                          For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

                                          Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

                                          5. Cut out Costs for Services You Do Not Use

                                          If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

                                          In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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                                          6. Get Aggressive About It

                                          Consider these points:

                                          Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

                                          Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

                                          Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

                                          Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

                                          7. Reevaluate Your Progress at Set Intervals

                                          Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

                                          By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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                                          Finally (and most importantly)…

                                          8. Keep Trying

                                          Do not get discouraged. Pushing it off will make it worse. Just keep trying.

                                          Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

                                          Start Knocking out Your Debt Today

                                          The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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                                          Featured photo credit: Pexels via pexels.com

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