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Japan is known for its high cost of living, especially in major cities like Tokyo, Osaka, and Yokohama. However, expenses can vary significantly depending on location. Living in urban centers is much more expensive than in rural areas, where rent and daily necessities are more affordable. Despite these costs, OFWs can still save and manage their finances wisely with proper planning.

Housing is one of the biggest expenses for OFWs in Japan. Rent prices vary based on location, apartment size, and proximity to train stations. Here’s an estimate of monthly rent costs :

• Tokyo : ¥80,000 - ¥150,000 for a small apartment

• Osaka : ¥50,000 - ¥100,000

• Rural Areas : ¥30,000 - ¥70,000

Additional costs include utilities (electricity, gas, water), which range from ¥10,000 - ¥20,000 per month. To save on rent, many OFWs opt for shared accommodations or company-provided housing. One of the advantages of working in Japan is that some companies offer housing benefits, which can significantly reduce accommodation costs. If you’re lucky, your employer may provide company dormitories or subsidized housing.

Food costs in Japan depend on whether you cook at home or eat out. Here’s an estimate of food expenses :

• Cooking at home : ¥25,000 - ¥40,000 per month (groceries from supermarkets like Don Quijote, Gyomu Super, or AEON)

• Eating out : ¥500 - ¥1,200 per meal at budget restaurants; ¥3,000+ for fine dining

Many OFWs prefer cooking at home to save money, as imported Filipino food products can be expensive. However, discount supermarkets and convenience store meals provide affordable alternatives.

Japan’s transportation system is efficient but can be costly. Most OFWs rely on trains and buses for commuting. Here are estimated transportation costs :

• Train pass(commuter route) : ¥10,000 - ¥20,000 per month

• Bus fare : ¥210 - ¥500 per ride

• Bicycle(one-time purchase) : ¥10,000 - ¥30,000 , a cost-effective option in suburban areas

One of the good things about working in Japan is that most companies shoulder transportation costs separately from the salary. This means that commuting expenses are often fully reimbursed by employers, reducing a major financial burden for OFWs. To save even more, OFWs can apply for company-subsidized commuter passes or use prepaid IC cards like Suica and Pasmo for discounts.

Healthcare in Japan is top-notch, but it comes with mandatory health insurance. OFWs must enroll in either :

• Shakai Hoken (Social Insurance) : Typically provided by employers, covering 70% of medical expenses.

• Kokumin Kenko Hoken (National Health Insurance) : For freelancers or those without company insurance, costing around ¥15,000 - ¥30,000 per month, depending on income.

Regular check-ups and medicines are affordable due to Japan’s healthcare system, but major treatments can still be costly without insurance.

To manage expenses effectively, OFWs should : 

• Track Monthly Expenses : Use budgeting apps like Zaim or Money Forward to monitor spending.

• Send Remittances Wisely : Use cost-effective remittance services like PhilMoney, to avoid high fees.

• Look for Discounts: Many stores offer discount days; 100-yen shops provide affordable household items.

• Find Additional Income : Some OFWs take side jobs (within legal work limits) to boost savings.