Geo-arbitrage only works when you measure real burn, not fantasy budgets. A lightweight tracking method beats complicated finance apps you abandon in week two.

Track five buckets

  1. Housing
  2. Food
  3. Transport
  4. Work infrastructure (coworking, SIM, cafes)
  5. Friction (visas, replacements, bad-Wi‑Fi workarounds)

Weekly review ritual

Every Sunday, spend fifteen minutes categorizing expenses and noting surprises. Friction costs reveal whether a city is truly cheap or only advertised as cheap.

Compare cities fairly

Normalize to a 30-day month and include the cost of reliable work conditions. A city that requires daily coworking to stay productive is not as inexpensive as the rent screenshot suggests.

Decision use

If your tracking shows stress rising while buffers shrink, change the plan early. Data turns vague anxiety into a clear move.