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Budgeting Tips for Pakistani Expats in Lithuania: A Practical Guide

Budgeting Tips for Pakistani Expats in Lithuania: A Practical Guide

29 Jan 2025


Living in Lithuania as a Pakistani expat comes with new opportunities—and financial challenges. Without a smart budget, expenses can quickly add up, leaving little for savings or remittances.

According to a global database, the cost of living in Lithuania for a single person is around 740 euros excluding rent; for a family of four, it is about 2550 euros excluding rent. Although it might not be as expensive as living in other European countries, it is still costly for expats. Lithuania has many Pakistani expats now who either study and work part-time or work full-time so they can send money to Pakistan from Lithuania

This blog delves into detail about practical budgeting tips for Pakistani expatriates looking to save money while living in Lithuania. 

Gauging the Cost of Living in Lithuania

Even though living costs in Western Europe are relatively higher than in Lithuania, your lifestyle and where you live in Lithuania make a significant difference in your total living cost. The following considerations can help you manage living expenses effectively and have enough savings to secure a financially stable expat life abroad.

Housing Costs Based on Cities

Depending on which city in Lithuania you decide to live in, the cost of rent will vary. For example, living in central Vilnius will be pricier than other cities. Consider renting out an apartment in Klaipeda or Kaunus, where the rent is more affordable. 

Groceries and Dining Out

Generally, groceries aren’t that costly in Lithuania, but you could consider buying local products and cooking at home instead of dining out more often. Try common chain supermarkets such as Lidl and Maxima, which offer affordable rates on fresh produce and essential grocery items. 

Prefer Public Transportation 

Lithuania’s public transport is not only economical but also quite efficient. You could save up even more through discounts if you are a student or a senior there. So, if you travel quite frequently for work or studies, you might want to switch from taxis and rideshares to public transportation. 

A Personal Monthly Budget 

Money runs out quickly if you don’t track where it goes. Planning a whole budget to know exactly how much you spend and where you can save money is always recommended. This is essential for expats who also make a money transfer from Lithuania to Pakistan every month. 

Classify Your Income Streams and Expenses

Determine all your income coming from your monthly salary, side gig income, or benefits of any sort. Then, sort your expenses into groceries, transportation, rent, etc. This budget will help you avoid overspending. 

Maintain an Emergency Fund

Always prepare for the worst. When planning your budget, set aside a certain amount for an emergency fund so you won’t panic in times of need. Financial security is essential, especially if you’re living far from home. Emergency funds come in handy for costs like medical expenses and other needs. Your emergency fund could also be helpful for financial emergencies abroad if you need to send money to Pakistan from Lithuania.

Opt for Smart Remittance Service 

You must choose a reliable and cost-effective money transfer service when sending money back home. Traditional banks generally offer international money transfer services, but those tend to be quite expensive. Another option is to choose a reliable money transfer service such as Western Union, which has agent locations in Pakistan. If you want an even more convenient option, try online services such as ACE Money Transfer.

Want to learn how fintech is becoming popular among Pakistani expats? Read This.

Time Your Remittances and Consolidate Them 

Keep track of exchange rates and send money to Pakistan from Lithuania when they are most favorable. This will maximize the value of your remittances. Also, send more money less often so you don’t have to pay transfer costs too often. 

The Way Forward - Budgeting Made Easy!

Once your budget is controlled, you can live a good life in Lithuania. Tips like saving on rent and groceries and keeping track of your cashflows will help significantly. As an expat, you can easily make an online money transfer from Lithuania to Pakistan. Try ACE Money Transfer and get low upfront fees and competitive exchange rates for remittance transfers. 

The ACE mobile app is widely used by immigrants worldwide. It offers remittance services in over 100 countries. Make your first transfer completely cost-free with ACE today! 

FAQs

How much should I budget for monthly expenses in Lithuania?

For a single expat, around €600-€800 per month covers accommodation, food, transportation, and entertainment, depending on the city and lifestyle.

Are there student discounts in Lithuania?

Students can enjoy discounts on public transport, movie tickets, and more with an ISIC card or a local student ID.

Can I find part-time work as an expat in Lithuania?

Yes, if your visa permits, English-speaking part-time jobs are available, especially in fields like tutoring and customer service.

How can I avoid overspending on rent?

Look for shared housing or rental options outside city centers to reduce accommodation costs.

Which is the most affordable way to send money to Pakistan?

Online transfer services like ACE Money Transfer offer low fees and competitive exchange rates to let you send money to Pakistan from Lithuania with the most benefits.


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