I am a new joiner to this board. British citizen, 58 years old, married to a Malaysian and just been made redundant by my employer in Dubai.

We will be returning to our condo in Penang and look like having to live off the returns from my wife's investments in ASB and ASM. We also have a young daughter and her school fees will not be cheap.

We don't have extravagant tastes, are mortgage free so our big ticket items are education and private health insurance.

On top of those costs, what would be the estimate pcm to live comfortably in Penang please?