Your monthly budget depends heavily on housing and transport. Use ranges, leave a settling-in buffer, and refine the numbers after your first full month.
Fixed essentials
List rent, utilities, internet, phone, insurance and any school costs first. Confirm whether housing payments are monthly, quarterly or annual.
Everyday spending
Track groceries, fuel or rides, dining, household help, pet care and subscriptions. These smaller categories can shift quickly during the first few months.
The settling-in buffer
Furniture, deposits, small appliances and admin costs make the first months unusually expensive. Keep this separate from your normal monthly estimate.
Yours truly,
Saudi