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Many Pakistanis live and earn in Denmark while also saving up to send money to Pakistan from Denmark.

Budgeting Tips for Pakistani Expats in Denmark: A Practical Guide

17 Jan 2025


As exciting as it is to move to Denmark, managing one’s lifestyle expenses in a foreign country can be harrowing. Many Pakistanis live and earn in Denmark while also saving up to send money to Pakistan from Denmark. Along with the perks of new opportunities and experiences, there is the challenge of managing the cost of living in Denmark. The good news is that while this challenge is difficult, it is not impossible to complete. 

Read this guide to get a thorough understanding of how to save enough while also enjoying the best life in Denmark as a Pakistani expat:

Saving up on Housing and Utilities Costs

The main issue is the cost of residence. Try these ways to save up on housing:

Consider Shared Accommodation Instead of Living Alone

Housing in Denmark is pricey, especially if your workplace is in a popular city such as Copenhagen or Aarhus. Try finding accommodation a bit away from the main city, as housing there could be less expensive. But not too far, as that commute will not only be tiring but also cost you more overall. 

 

Another great option is to try shared accommodation in Denmark. Not only will that reduce your rent burden, but you’ll also have the chance to be with a good company. Sometimes, apartment mates are nice enough to help out with house chores. Life could get a bit more manageable than having to do everything alone.

 

Reduce Your Utility Expenses

Denmark is a cold place, and your heating bills could increase before you know it. Finding energy-efficient housing and being careful about total usage is always better. Being mindful is simple, such as turning off extra lights, turning the thermostat down when you’re not home, and spending less time in the shower. 

Although seemingly insignificant, they could amount to a considerable difference. You could try to check out companies like Norlys or Energinet with budget-friendly plans. As a Pakistani expat who needs to save to send money from Denmark to Pakistan, these budget-friendly plans will suit you best. 

How to Eat on a Budget

The next question is what, how, and where to eat. Try these tips for saving money on food without having to skip meals:

Shop at Discount Stores and Supermarkets

Instead of going to a high-end grocery store, look for cheaper supermarkets such as Rema 1000, Lidl, and Netto. These stores have good quality products but also much cheaper prices. Another great tip is to buy non-perishable products in bulk, as that is a cheaper option over time. 

Try Weekly Meal Preps and Cook at Home

If you dine every other night because you’re too tired from work, it’ll eat up your funds quickly. This is because dining out is costly in Denmark. Instead, you must prefer cooking at home to save money. You could also do meal preps for the week on the weekend. This will save you time, and you won’t have to cook from scratch every single day. Also, this is a much healthier option too!

Personal Budgeting and Remitting Money Home

As a Pakistani expat, you probably send remittances regularly. When sending money home, two main costs need to be considered. One is the upfront fee charged by the money transfer service provider, such as a bank or a company, and the other is the conversion rate offered by the service provider. 

Spend enough time comparing service providers before choosing one. Always avail of any discounts or promotions available when you send money from Denmark to Pakistan. 

If you follow this guide, living a less costly but fulfilled life in Denmark as a Pakistani expat is a manageable challenge. When you decide to send money online to Pakistan from Denmark, consider ACE Money Transfer, which offers lower fees and competitive exchange rates along with frequent discount offers and promotions for its customers. The transactions are quick, secure, and easy to make with the ACE mobile application. Try it today to send your first remittance completely cost-free with our Welcome Bonus! 

 

FAQs

How can Pakistani expats find affordable housing in Denmark?

Shared accommodations, particularly outside major city centers, are budget-friendly options. Websites like BoligPortal or Findroommate. dk can help you find affordable rooms.

What are the best stores for affordable groceries?

Discount supermarkets like Netto, Lidl, and Rema 1000 offer lower prices on quality groceries, helping expats save on food costs.

Is public transport in Denmark expensive?

Public transport can be pricey, but using a Rejsekort card provides travel discounts. Many expats also save by cycling, a popular, cost-effective alternative.

Do Pakistani expats need private health insurance in Denmark?

Public healthcare is available to registered expats, but some may consider private insurance to cover additional services like dental and optical care.

What’s the cheapest way to send money back to Pakistan?

An affordable remittance option is to use services for making a money transfer from Pakistan to Denmark, like ACE Money Transfer, which often has lower fees and competitive exchange rates.


 


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