Quality of life comes from balance, not price alone. Use a simple budgeting framework: separate fixed costs (housing, utilities, SIM/wifi) from flexible ones (food, transport, activities). Expect more value outside peak, and choose neighborhoods that match your rhythm – quiet inland areas for focus, or coastal hot spots for social life. Seasonality affects ferry schedules, seafood availability, and leisure costs, so plan ahead and lock longer stays when possible. For a sense of community and safety, pick areas with frequent markets and accessible healthcare. Tip: try a two-week trial in a couple of neighborhoods to gauge fit.