Cost of living, health services, climate
/ weather, and lack of crime.
|
The present owners make the point they are only interested in selling
their villa in Northern Portugal in order to be able to move to
the other side of the world to be with friends and family (they
lived for many years in Asia and now a large part of their family
in the UK have immigrated to Australasia). They would not consider
moving if it were not for this and say they can think of nowhere,
family and friends aside, they would want to live more than here.
They chose their home very carefully after a lot of research and
thought. Compulsory land purchase and rampant development in other
countries made them think of Portugal, but as they liked the idea
of Spanish life so they decided to have the best of both.
Climate wise there are four distinctive seasons. From early June
to late September, it can get very hot here, 40° Celsius of
a little more. During the winter, if a low pressure system comes
down through France and then Spain, you can get down to -4°
Celsius with winds. Being on the large river, the property tends
to be a little cooler in the summer and a little milder in winter
than other nearby areas. For example, when you drive from this house
and it is say 3° Celsius in winter, when you go on the road
just a few Km away between Salvaterra and Ponteareas in Spain, you
can expect to find freezing fog and -2° Celsius. If it is a
normal winter, there is snow on the mountains around Melgaco.
If it is a cold winter, snow falls and lays on the mountain tops
across the river from us in Galicia (Spain).
The current owners get through about 700 litres (about 500 or 600
Euros) of domestic gasoline in winter (this heats the water and
radiators which they use in the mornings) plus 2 small trucks of
firewood (they use this in the fire from around 4pm onwards); a
truck of oak or mixed wood already cut for use in a fire costs 120
Euros delivered. Unless it gets bitterly cold, the fireplace is
ample for heating the middle (main family / accommodation) floor.
Many winter days are actually sunny and around 14° Celsius;
the area is generally 4° or 5° warmer than southern England.
During the summer, when it is 40° Celsius just up the road on
the main road, it is around 35° Celsius at this property because
of the cooling effect of the river. During the summer the winds
normally come from the South / South West. During Spring and Autumn,
normally from the South West. The winter can see winds from any
direction. Winds from the South West normally mean rain, but you
get less than the UK. Air quality here is exceptionally good most
of the time. You are on the edge climate wise of where you can successfully
grow certain (hardier) bougainvillea and guava outdoors.
The pace of life is much slower here but people jump to your help
when you really need them. Ask your plumber to come and service
your boiler and you will have to make several phone calls over a
couple of weeks to remind him. If you boiler breaks down, he will
drop everything and be there within half an hour. Go to the Post
Office and people will jump the queue but only to ask for a form;
old ladies will sit on the bench inside and expect to be let in
at the point they would have occupied if they had stood in line.
People are curious, and you will be aware of old ladies looking
out of their windows to see what is going on. This is so they do
not miss a passing neighbour or friend and to keep an eye on the
world; as a consequence and because of attitudes generally, crime
is virtually nonexistent. People greet each other by kissing cheeks
and they like to get to know everyone, so strangers stand out but
not in a bad way of you have just moved here.
There is a health centre in Monção, but serious cases
get referred to the public hospital's emergency department in Viana
do Costelo, an hour away. Actually the local public doctors and
hospital staff are well equipped, exceptionally dedicated and do
an amazing job, but adages regarding the Portuguese health care
system do have a good deal of truth to them. Actually, if you were
to fall seriously ill, it is an option to simply drive one minute
more and go to the health clinic in Salvaterra, which has a paramedic
service to the large public and private hospitals of the area (they
have a legal obligation to treat you, not that they consider it
just a legal duty). The current owners are registered with the health
centre in Salvaterra and a superb full service (including emergency)
private hospital just 20 minutes away in Vigo and would use this
option in an emergency. The same for check ups, screening and general
health care needs. Porto in Portugal is another option, but this
is a 60 minute drive away. Most people consider the Spanish health
care service much faster and more extensive (most Portuguese private
medical insurance programs cover treatment in Spain); being on the
border you have immediate access to this and so can benefit from
the best of both worlds.
You are entitled to free state health care in Portugal but, if
like the current owners, you would like health insurance for faster
and perhaps better private treatment / hospitals, a policy with
Spain's largest health care provider Sanitas
seems to make more sense than taking out a Portuguese policy; for
the existing owner's family of four at 2200 Euros per year, it is
around 500 Euros less and they would much prefer to have Spanish
rather than Portuguese private health care. However, there is another
option with the Portuguese health insurance provider Tranquilidade
who give you Spanish Sanitas cover (but only 80% of the cost) as
well as Portuguese private health care cover (for a family of four
the cost would be just over 2700 Euros per year). Dental plans can
be inexpensively added to both of these and there is International
cover included as well, for when you are travelling. A prescription
in either Portugal or Spain costs around 4 or 5 Euros.
When it comes to schooling, you have the option of free (if you
are legally and registered resident in Portugal) public schooling
from the age of 6, plus superb state run pre-schooling from 3 months
old if required. The local pre-school is exceptional and costs around
75 Euros per month for each child of foreign residents without special
allowances (some locals are not charged, then there is a sliding
scale up); the actual cost depends on the child's age. Classes are
limited to 25 children and have two teachers per class, often plus
one trainee / attendant. Preschool hours are 7am to 7pm and include
all meals / drinks for the children during that time; they have
a good old fashioned school canteen which prepares fresh food dishes
daily. Portugal views preschool as a service to parents to allow
them to continue to go and work, hence the low cost and hours covered.
The current owners can not speak highly enough of this school and
its staff which both of their children go / have been to; they have
frequent school trips out and festival parades through town (like
the one below). Moncao has comprehensive public schools and now
a technical college. Private International schools exist in Galicia
(Spain) approximately 40 minutes away, and in Porto, around 50 minutes
drive from here.

The current owners have a vegetable garden, fruit trees, grape
vines, etc. but it gets very "disheartening" when you
can buy peas, carrots, cabbages, potatoes, mandarins, oranges, pears,
apples and other produce in season for less than 1 Euro per kilo!
Their neighbour often stops them in citrus season to ask if we want
any mandarins (for free); the same neighbour once gave them a whole
lamb because they allow him to graze his sheep on some of their
land. Pork is very inexpensive here, as are certain fish; sardines
are only 1 euro a kilo in season (2 Euros a kilo the rest of the
year) and often dorado (sea bream) and the local sea bass (grey
mullet) can be bought for 1 to 2 euros per fish. If you are prepared
to eat the same produce as the locals, you can live very cheaply
indeed. The current owners blanch and put a lot of seasonal vegetables
into their large chest freezer not just because of cost, but because
of taste; local and their own produce is grown organically and tastes
better than packaged frozen food. The present owners grow their
own super sweet corn for example then blanch and freeze it, as the
locals prefer a hardier variety for animal meal and bread. The water
of the River Minho is exceptionally clean and the trout from the
river can be caught for next to nothing and taste a hundred times
better than farmed trout.
With access to several supermarkets and local open markets, you
are able source an incredible range of products not just to eat
but for the house and clothing. The present owners tend to go to
one of Vigo's hypermarkets once a month to stock up on certain items
(including English beer at a third of the price it is in England)
and look for promotions and anything different, but they are spoilt
for choice locally. Large supermarkets in Monção include
Modelo,
Feira
Nova / Pingo Doce and Coca (local supermarket). In Valenca you
will find a Lidl, Intermarche and Froiz (Spanish supermarket chain
with outlet in Portugal). Across the river / border in Spain between
Salvaterra and nearby Ponteareas is an exceptionally good Eroski
supermarket. In Vigo just as you enter the city and therefore very
conveniently located is an Alcampo
Hypermarket. Moncao market is every thursday (normally) and
the larger market at Valenca on wednesdays. Ponteareas Spain has
an excellent market (especially for cured hams and breads / cakes)
every other Saturday. The fish market and butchers which form part
of Moncao market are open most days. Bread and fish can be delivered
to your door / gate early each morning; the existing owners get
a large wholemeal long loaf 5 days a week delivered for 12 Euros
a month.
You can chose between Portugal and Spain as to what you buy for
a large number of goods and services, including petrol / diesel
and domestic heating oil. About the only thing you have to buy in
Portugal are cars, which have to be licensed here if you are residents
of Portugal. If you bring a car from another country to Portugal,
you can only use it for 6 months before you have to register it
here. At the moment, cars are much more expensive in Portugal than
in Spain because of a luxury tax. Because the Portuguese people
are notorious tax cheats (everybody, but everybody it seems cheats
on tax if and when they can), the government desperate to collect
taxes to pay for public services slapped a luxury tax on things
like cars and TV's. TV's are no problem, as you can buy them in
Spain and use them in Portugal under EU law. But cars are different
as they have to be registered in Portugal and the Portuguese use
bureaucracy and high processing fees to prevent people buying cars
in Spain at a lower cost and using them in Portugal. The EU has
already declared the Portuguese system illegal, a de facto / hidden
tax, and are now suing the Portuguese state into compliance. This
is not as dramatic as it might first seem, but basically Portugal
has a few years to get tax revenues elsewhere (enforce income and
regular sales tax), before it will have to tax cars at the same
rate as Spain. The best interim legal solution would perhaps be
for a contract hire agreement on an ex-demonstrator vehicle or to
buy a second hand car.
The present owners cook mostly using propane gas (replacement cylinders)
which are delivered to the house for 18 to 19 Euros each per 11
Kg tank (11Kg being the weight of the propane not including the
tank); 1 tank of propane lasts them 6 weeks. Mains water costs them
55 Euros per quarter (3 months), except when they fill their large
swimming pool up in late May / early June (costs about 25 Euros
extra). The rates / land tax / house tax / council tax cost 316
Euros per year. The electricity bill during the summer (highest
cost period as you likely will use air conditioning and certainly
use pool plus irrigation motors) is 175 Euros per month.
Although the basic minimum wage for Portugal is lower (EU
minimum wage levels), 5 Euros per hour is what most people here
work for; the hard working gardener / housekeeper comes in 2 days
(normally 4 mornings) a week and they give her a little more. The
present owners have an exceptionally good handyman who is also their
plumber; he works for 10 Euros an hour when he has free time and
is an exceptionally diligent, hard working person. If you employ
someone full time you will pay a lot more one way or another. The
local contract gardening company quoted 300 Euros per month to maintain
the grounds, but the present owners feel they get much better value
and more from their part-time gardener; if it is too hot or raining,
she does housework instead. If you bought a large lawn mower for
the vineyard, upper and lower fruit gardens and upper grounds and
mowed everything yourself, you would only need occasional help from
a gardener (for the bank area and general weeding).
A list of typical items' costs
Lean beef nouveau - 5.90 Euros per kilo
Fresh tuna steaks - 5 Euros per kilo
Mackeral - 2 Euros per kilo
Cooked medium prawns (in shell) - 7 Euros per kilo
Superb smoked ham - 8 Euros per kilo
Presunto (aged 6 to 8 months) - 11 Euros per kilo
Small fresh marinated BBQ chicken - 3 Euros
Generic Dutch and German lager beer - 24 cents (0.24 Euros) per
small can
Rioja and other quality red wines - 1.5 to 2 Euros per bottle
Borba Alentejo and other quality white wines - 1 to 1.5 Euros per
bottle
Spanish Cava (Champagne) - 3 Euros per bottle
1250gm Tin of dog food - 0.89 Euros
20 Kg bag dry dog food - 7 Euros to 14 Euros
Bananas (1 Kg) - 1 Euro
Large Pineapple - under 1 Euro
Pears, Apples and Oranges (in season) per Kg - 0.80 Euros
Bag of salad mix - 1 Euro
Avocados (in season) - 1.5 Euros per Kg
Atlantic Sardines / Mussels - 1 to 2 Euros per Kg (depending on
time of year)
Quality trousers for child - 3 to 5 Euros (local market or supermarket
special)
Large adult leather / suede coat - 50 to 80 Euros
Pair quality leather adult shoes / boots - 10 to 40 Euros
2 Meter high barestock apple tree - 3.5 Euros
Fresh plaice (fish) - 4 Euros per Kg
Potatoes - 20 centimos (0.20 Euros) per Kg
Tin of sardines in tomatoe sauce - 40 cents (0.40 Euros)
Fresh whole corn fed (semi-free range) chicken - 7 Euros
200gm Pack of ham - 1.5 Euros
Ham / chicken sliced at the deli - 6 Euros per kilo
4 Pack Bio digestive fruit yoghurt - 95 centimos (0.95 Euros)
Bottle branded scotch whisky - 8 Euros
Whisky cream liqueur (generic Baileys) / generic rum - 4 Euros
Large bag potatoe crisps (cooked in olive oil) - 1 Euro
Iceberg lettuce - 75 centimos (0.75 Euros)
5 Litres best Portuguese spring water - 90 centimos (0.90 Euros)
20 Litre bag of potting compost - 2 Euros
1.5 Litre carton of quality supermarket ice tea - 50 centimos (0.50
Euros)
For eating out, see our Monção / Valença / Melgaço
and Salvaterra do Miño / Porriño
pages.
|