Quality of life in Banjarmasin hinges on a balanced pace, accessible services, and local flavor. A practical budgeting framework centers on housing, food, transport, utilities, and discretionary spend, with room to adapt during rainy seasons when errands take longer. Neighborhood fit often comes from proximity to markets, riverfront walkways, and dependable internet for remote work. Try different neighborhoods on short stays to compare noise, safety, and commutes, especially if you plan to bike or walk. Embrace flexible scheduling for weekends at local eateries or cafes. Tip: Build a simple routine that layers public transit, bike routes, and walking paths to reduce costs and gain flexibility.