Budget for the first 90 days
The first three months are usually the most expensive and hardest to estimate: deposits, paperwork, initial purchases and adjustments. A realistic budget reduces stress.
Setup costs
- Deposit and first month's rent; sometimes an agency fee.
- Utility deposits and internet connection.
- Furniture, appliances or household items if the apartment is unfurnished.
- SIM, mobile plan and adapters.
Paperwork
Visa, cédula de extranjería, translations, apostilles, insurance and notary costs can add up to a relevant amount. Ask for current official costs before planning.
Monthly expenses
Rent, utilities, food, transport, health, leisure and communications. Record everything during the first weeks to detect your real spending.
Contingency cushion
Set aside a margin for medical emergencies, flights, repairs or exchange-rate changes. Many people recommend having several months of expenses available on arrival.
Access to money
Decide how you will receive funds: international transfers, cards, digital wallets. Compare fees and exchange rates.
Frequently asked questions
How much cash should I bring?
The minimum; use cards and ATMs of recognised banks. Check customs cash-entry limits.
Is paying a year of rent upfront worthwhile?
Rarely; prefer monthly payments with a clear contract.
Which expense surprises most?
Initial deposits and immigration procedures often exceed expectations.
Related guides
- Opening a bank account as a foreigner in Colombia
- Checklist when returning to your home country
- Living in Santa Marta: expat guide
General information based on current rules and practice; it may change. Confirm your case with the official source or an authorized professional. Not legal, tax or medical advice.