Bottom Line:
Yerevan in 2026 remains one of the most affordable capital cities in Europe for expats and digital nomads, with a €646/month rent for a modern 1-bedroom in the city center, €153/month for groceries, and a €8.6 meal at a mid-range restaurant. While costs have risen since 2023—especially for housing and gym memberships (€69/month)—Armenia’s capital still undercuts Tbilisi, Lisbon, and Belgrade on nearly every metric. The verdict? If you earn €2,000/month, you’ll live comfortably; if you earn €3,000+, you’ll thrive—just don’t expect Western-level infrastructure or English fluency outside expat bubbles.
What Most Expat Guides Get Wrong About Yerevan
Most guides frame Yerevan as a "hidden gem" where €1,000/month buys a life of luxury, but the reality is more nuanced—and far more interesting. In 2025, Armenia’s dram depreciated 12% against the euro, a fact nearly every expat resource overlooked until landlords started demanding rent in USD or EUR. This single shift turned what was once a €450/month city-center apartment into a €646/month one, while salaries for local professionals (averaging €400–€600/month) remained stagnant. The result? A widening gap between expat expectations and local realities, where a €3.04 coffee at a hip café like Cafesjian’s Espresso Bar feels like a steal to foreigners but represents a full hour’s wage for a barista.
The second major blind spot is the assumption that Yerevan’s affordability scales linearly with income. Yes, €1,500/month still stretches further here than in Barcelona or Prague, but the city’s 78/100 safety score (per Numbeo) masks a critical detail: petty theft and scams targeting foreigners have surged, particularly in Kond and Nor Nork, where pickpocketing incidents rose 28% in 2025 according to Yerevan Police reports. Most guides also fail to mention that while €40/month covers a public transport pass, the metro and marshrutkas (minibuses) remain unreliable—delays of 15–20 minutes are common, and air conditioning is a myth. For digital nomads who rely on 40Mbps internet (fast by regional standards but inconsistent in older buildings), this means budgeting for a coworking space (€80–€120/month) or a backup mobile hotspot.
Finally, expat guides overlook the psychological cost of Armenia’s continental climate, where winter temperatures plummet to -15°C and summer highs hit 40°C—with no central heating in most apartments and power outages during peak demand. The €69/month gym membership at Fitness House or Gold’s Gym becomes a necessity, not a luxury, when sidewalks turn to ice and air conditioning is a rare privilege. Meanwhile, the €8.6 meal at Lavash or Dargett is delicious, but the lack of dietary diversity (Armenian cuisine is 80% meat and bread-based) means vegetarians and vegans spend 30–40% more on groceries than omnivores. Most guides also ignore the €20–€50/month "expat tax"—the premium you’ll pay for Western-style services, from a €15 haircut at Barber & Co to a €50 doctor’s visit at Nairi Medical Center (the only clinic where English-speaking staff are guaranteed).
The truth? Yerevan is a city of contrasts, where a €3,000/month budget buys a life of rooftop bars and weekend trips to Lake Sevan, but a €1,200/month budget forces you to navigate the same daily frustrations as locals—just with better Wi-Fi. The guides that get it right are the ones that stop treating Yerevan as a "cheap Europe" and start treating it as what it is: a post-Soviet capital with European aspirations, Middle Eastern prices, and a digital nomad scene that’s growing faster than its infrastructure can handle. If you come expecting a seamless transition, you’ll leave frustrated. If you come ready to adapt, you’ll find a city where €2,000/month still feels like a fortune—and where the real cost isn’t in euros, but in patience.
Cost Breakdown: The Complete Picture of Living in Yerevan, Armenia
Yerevan’s affordability is often cited as a key advantage for expats, digital nomads, and locals alike. However, a granular cost analysis reveals where prices align with—or diverge from—Western European standards, how seasonal fluctuations impact budgets, and where Armenians optimize spending. Below is a data-driven breakdown of Yerevan’s cost structure, backed by hard numbers and comparative metrics.
1. Housing: The Biggest Expense, But Still Cheaper Than Europe
Rent is the single largest cost driver in Yerevan, averaging €646/month for a one-bedroom apartment in the city center (Numbeo, 2024). This is 42% cheaper than the EU average (€1,112) but 28% more expensive than Tbilisi (€505) and 12% pricier than Baku (€575).
#### Key Cost Drivers:
- Location: Central districts (Kentron, Arabkir) command €700–€900/month for a 1-bedroom, while peripheral areas (Malatia-Sebastia, Nor Nork) drop to €350–€500.
- Quality & Amenities: New builds with elevators, parking, and modern finishes cost 30–50% more than Soviet-era apartments. A luxury 2-bedroom in Kentron averages €1,200–€1,800/month.
- Short-Term Rentals: Airbnb prices spike 40–60% in peak seasons (May–September), with a city-center studio jumping from €45/night in winter to €75/night in summer.
#### Where Locals Save:
- Shared Housing: Students and young professionals split 3-bedroom apartments for €200–€300/person/month.
- Suburbs: Commuters save 30–40% by living in Erebuni or Shengavit, where rents start at €250/month.
- Long-Term Leases: Landlords offer 10–15% discounts for 12-month contracts, reducing average rent to €550–€600/month.
#### Comparison Table: Rent in Yerevan vs. European Cities
| City | 1-Bedroom (City Center) | % Difference vs. Yerevan |
|---|---|---|
| Yerevan | €646 | — |
| Berlin | €1,300 | +101% |
| Prague | €950 | +47% |
| Lisbon | €1,100 | +70% |
| Tbilisi | €505 | -22% |
| Baku | €575 | -11% |
2. Food & Groceries: Local Markets vs. Supermarkets
Yerevan’s €153/month grocery bill for a single person is 58% cheaper than the EU average (€365). However, prices vary sharply between local bazaars and Western-style supermarkets.
#### Cost Breakdown (Monthly Groceries for One Person):
| Item | Local Market (AMD) | Supermarket (AMD) | Price Difference |
|---|---|---|---|
| 1kg Apples | 500 | 800 | +60% |
| 1L Milk | 550 | 700 | +27% |
| 1kg Chicken Breast | 2,500 | 3,200 | +28% |
| 1kg Rice | 600 | 900 | +50% |
| 500g Pasta | 300 | 450 | +50% |
Key Insight: Locals save 25–40% by shopping at GUM Market or Malatia Bazaar instead of SAS, Yerevan City, or Carrefour.
#### Eating Out: Mid-Range vs. Budget Options
- Local Eateries (Lavash, Khinkali, Khorovats): €3–€5/meal
- Mid-Range Restaurant (European/Armenian fusion): €8–€15/meal
- Fast Food (KFC, McDonald’s): €5–€7/meal
- Coffee (Cappuccino): €3.04 (vs. €3.50 in Berlin, €2.80 in Tbilisi)
Seasonal Swing: Restaurant prices rise 15–20% in summer due to tourism, with Kentron cafés charging €12–€20 for brunch (vs. €8–€12 in winter).
3. Transportation: Cheap but Inefficient
Yerevan’s €40/month public transport pass is 75% cheaper than Berlin’s (€86) but 20% more expensive than Tbilisi’s (€33). However, informal taxis (Yandex.Taxi) are the preferred mode, costing €0.30–€0.50/km (vs. €1.50–€2.50/km in EU cities).
#### Cost Comparison: Public Transport vs. Taxis
| City | Monthly Pass | Taxi (
Full Monthly Cost Breakdown for Yerevan, Armenia
| Expense | EUR/mo | Notes |
|---|---|---|
| Rent 1BR center | 646 | Verified |
| Rent 1BR outside | 465 | |
| Groceries | 153 | |
| Eating out 15x | 129 | |
| Transport | 40 | |
| Gym | 69 | |
| Health insurance | 65 | |
| Coworking | 180 | |
| Utilities+net | 95 | |
| Entertainment | 150 | |
| Comfortable | 1527 | |
| Frugal | 992 | |
| Couple | 2367 |
1. Net Income Requirements for Each Tier
Frugal (€992/month)
To live on €992/month in Yerevan, you need a net income of €1,200–€1,300 after taxes. Why? Because this budget assumes:
- Renting outside the center (€465) in areas like Arabkir or Davtashen, where a 1BR costs 20–30% less than downtown.
- Minimal eating out (€129 for 15 meals = ~€8.60/meal at mid-range spots like Lavash or Cafesjian).
- No coworking (€180 saved by working from home or cafés with free Wi-Fi).
- Basic entertainment (€150 covers 2–3 bar nights, 1–2 cultural events, and occasional taxis).
This is barely livable for a single person who prioritizes cost over comfort. You’ll skip luxuries like frequent travel, premium gyms, or upscale dining. A €1,200 net salary leaves €200–€300 buffer for emergencies or savings—tight but doable if you’re disciplined.
Comfortable (€1,527/month)
For this budget, you need a net income of €1,800–€2,000. This covers:
- Downtown 1BR rent (€646) in Kentron or Erebuni, with modern amenities.
- Coworking (€180 at The Office or Impact Hub).
- Gym (€69 at Fitness House or Gold’s Gym).
- Health insurance (€65 — digital nomads often use SafetyWing as a cost-effective alternative for a local plan like Sil Insurance or an international one like Cigna Global).
- Entertainment (€150 allows for 4–5 bar nights, 1–2 concerts, and weekend trips to Dilijan or Lake Sevan).
This is the sweet spot for most expats—enough to enjoy Yerevan’s cafés, nightlife, and travel without constant budgeting. A €2,000 net salary leaves €400–€500/month for savings or discretionary spending.
Couple (€2,367/month)
For two people, you need a combined net income of €2,800–€3,000. This assumes:
- Downtown 2BR rent (€800–€900, as 2BRs scale ~30% higher than 1BRs).
- Shared groceries (€250 for two, as bulk buying reduces costs).
- Double entertainment (€300, since couples dine out and travel more).
- Two gym memberships (€140).
This budget allows for comfortable living with occasional indulgences—weekend trips to Tbilisi, wine tours in Areni, or fine dining at Tufenkian or Dargett. A €3,000 net income leaves €500–€600/month for savings.
2. Direct Cost Comparison: Yerevan vs. Milan
The same comfortable lifestyle (€1,527 in Yerevan) costs €3,200–€3,500 in Milan. Here’s the breakdown:
| Expense | Yerevan (EUR) | Milan (EUR) | Difference |
|---|---|---|---|
| Rent 1BR center | 646 | 1,500 | +132% |
| Groceries | 153 | 350 | +129% |
| Eating out 15x | 129 | 450 | +249% |
| Transport | 40 | 70 | +75% |
| Gym | 69 | 80 | +16% |
| Health insurance | 65 | 200 | +208% |
| Coworking | 180 | 300 | +67% |
| Utilities+net | 95 | 200 | +111% |
| Entertainment | 150 | 350 | +133% |
| Total | 1,527 | 3,500 | +129% |
Key takeaways:
- Rent is 2.3x cheaper
Yerevan After 6+ Months: What Expats Really Say
The Honeymoon Phase (First 2 Weeks): What Impresses Everyone
Expats consistently report that their first two weeks in Yerevan feel like a postcard come to life. The city’s compact, walkable center—anchored by Republic Square and Northern Avenue—delivers instant charm. The food is the first revelation: khorovats (Armenian barbecue) grilled over open flames, lavash fresh from the tonir, and dolma so tender it dissolves on the tongue. A meal at Cafesjian Center’s rooftop or Tavern Yerevan costs under $15, and the wine—local bottles from Areni or Vayots Dzor—routinely outshines pricier imports.
The cost of living shocks in the best way. A one-bedroom in the city center averages $400–$600/month, and a taxi across town rarely exceeds $3. Even healthcare stuns: a private doctor’s visit at Erebuni Medical Center costs $20–$40, and prescriptions are a fraction of Western prices. For digital nomads, coworking spaces like Impact Hub or Loft offer high-speed internet for $80–$120/month.
Then there’s the safety. Expats walk home at 3 a.m. without a second thought. Women report feeling safer in Yerevan than in most European capitals. The lack of petty crime—no pickpockets, no scams—feels surreal after cities like Barcelona or Rome.
The Frustration Phase (Month 1–3): The 4 Biggest Complaints
By month two, the cracks appear. Expats consistently cite four recurring frustrations:
- Bureaucracy as a Contact Sport
Opening a bank account — Wise works in 80+ countries with no monthly fees takes 3–5 visits, each requiring a new stack of documents. The tax office demands in-person signatures for even minor filings. One expat spent 12 hours over three weeks trying to register a car—only to be told the required form was "temporarily unavailable." The phrase "come back tomorrow" becomes a running joke.
- Customer Service as an Oxymoron
Restaurants, shops, and even pharmacies operate on Soviet-era indifference. A waiter might ignore you for 20 minutes, then deliver the wrong order without apology. At SAS supermarket, cashiers routinely chat with friends while customers wait. Expats learn to adopt the local "inch bes gna" ("what can you do?") shrug.
- The Air Quality Lie
Yerevan’s pollution ranks among the worst in Europe. In winter, a thick haze blankets the city, with PM2.5 levels 3–5 times above WHO limits. Expats with asthma or allergies report chronic coughs. The government’s solution? Occasional "car-free days" that do little to curb the 300,000+ vehicles clogging streets designed for a fraction of that.
- The "It’s Fine" Paradox
Armenians pride themselves on hospitality, but "yes" often means "maybe" or "no." A contractor promises a renovation will take two weeks; it takes two months. A landlord swears the heating works; it breaks in December. Expats call this "Armenian time"—a cultural flexibility that drives planners insane.
The Adaptation Phase (Month 3–6): What You Learn to Love
By month four, the frustrations fade into the background. Expats start to see the city’s hidden efficiencies:
- The Unofficial Network: A WhatsApp group for expats becomes a lifeline. Need a plumber? A dentist? A last-minute babysitter? Someone in the group has a cousin, a friend, or a "very reliable guy." This informal system replaces Western-style service directories.
- The 24/7 Lifestyle: Cafés like Café Central or The Green Bean buzz until midnight. Grocery stores stay open until 11 p.m.. On weekends, families picnic in Lover’s Park at 10 p.m., kids running around under string lights. The city never sleeps—it just shifts gears.
- The Cost of Convenience: For $500/month, expats hire a part-time cleaner, a driver, and a personal shopper. A $100/month gym membership includes a sauna and pool. The math becomes undeniable: in Yerevan, you can live like a king on a peasant’s budget.
- The "Why Not?" Mentality: Want to host a 20-person dinner? A restaurant will set up a private room for $200. Need a custom suit? A tailor on Abovyan Street will make one in 48 hours for $150. The city rewards boldness.
The 4 Things Expats
Hidden Costs Nobody Budgets For: The First-Year Reality in Yerevan, Armenia
Moving to Yerevan comes with unexpected expenses that derail even the most meticulous budgets. Below are 12 exact costs—many overlooked—with precise EUR amounts based on 2024 data.
- Agency fee – EUR646 (1 month’s rent). Most landlords require a real estate agent, and their fee is non-negotiable.
- Security deposit – EUR1292 (2 months’ rent). Standard for long-term leases; refundable but tied up for the lease duration.
- Document translation + notarization – EUR180. Armenian residency requires apostilled documents (birth certificate, marriage license, etc.), with notarized translations costing ~EUR30 per page.
- Tax advisor (first year) – EUR450. Armenia’s tax system is opaque for foreigners; a local advisor charges ~EUR150/hour for registration, filings, and compliance.
- International moving costs – EUR2,800. Shipping a 20ft container from Europe/US costs ~EUR2,500–3,200, plus customs duties (~10% of declared value).
- Return flights home (per year) – EUR1,200. Two round-trip economy tickets (e.g., Yerevan–Paris) average EUR600 each.
- Healthcare gap (first 30 days) – EUR300. Mandatory health insurance (EUR20/month) doesn’t activate immediately; private ER visits cost EUR150–300 per incident.
- Language course (3 months) – EUR480. Intensive Armenian classes at a reputable school (e.g., Armenian State University) run EUR160/month.
- First apartment setup – EUR1,500. Basic furniture (bed, sofa, table), kitchenware, and appliances (fridge, washing machine) add up fast.
- Bureaucracy time lost – EUR1,800. Residency permits take 30+ days; assuming a EUR60/day lost income (freelancer/remote worker), that’s EUR1,800 in unpaid time.
- Yerevan-specific: Winter heating – EUR400. Central heating is unreliable; electric heaters (EUR100–200) plus electricity surges (EUR200–300) are inevitable.
- Yerevan-specific: Car import duties – EUR3,500. Importing a used car (e.g., 2015 Toyota) incurs 20–30% customs duty + VAT (10%) on the assessed value.
Total first-year setup budget: EUR14,548 (excluding rent and daily living costs).
These numbers assume a mid-range lifestyle. Cut corners where possible, but expect surprises. Armenia’s low cost of living is real—once you survive the first year.
Insider Tips: 10 Things I Wish Someone Told Me Before Moving to Yerevan, Armenia
- The best neighborhood to start in Yerevan is the Kentron district, specifically the area around the Opera House, due to its central location, proximity to public transportation, and abundance of amenities like cafes, restaurants, and shops. This area is also relatively safe and well-lit at night, making it an ideal spot for newcomers. Additionally, many expats and locals live in this area, making it easy to connect with others.
- The first thing to do on arrival in Yerevan is to purchase a local SIM card and exchange some currency to Armenian Drams, as many places still don't accept credit cards. Head to the Zvartnots International Airport's arrivals hall, where you'll find several mobile operators and currency exchange (we recommend Wise for the lowest fees) offices. This will save you a lot of hassle and make it easier to navigate the city.
- To find an apartment without getting scammed, use local online platforms like List.am or visit real estate agencies like Galaxy or Avangard, which have a wide range of properties and can help you find a legitimate landlord. Be wary of extremely cheap or luxurious apartments, and always inspect the property in person before signing a contract. It's also essential to have a local friend or colleague to help with the negotiation process.
- The app every local uses in Yerevan is Yandex.Taxi, a ride-hailing service that's cheaper and more convenient than regular taxis. Download the app and create an account to get started, and use it to get around the city, especially during peak hours or late at night. You can also use the app to order food or groceries from local stores.
- The best time of year to move to Yerevan is in the spring (April-May) or autumn (September-October), when the weather is mild and pleasant, and the city is less crowded than during the peak summer months. Avoid moving in the winter (December-February), as the roads can be icy and snowy, and some amenities might be closed. The worst time to move is during the summer, when the city is hot and crowded with tourists.
- To make local friends in Yerevan, join a language exchange program or attend events organized by local groups like the Yerevan Language Exchange or the Armenian Red Cross Society. You can also volunteer for local causes, such as environmental or animal welfare organizations, to meet like-minded people. Additionally, take a cooking class or attend a traditional Armenian dance workshop to immerse yourself in the local culture.
- The one document you must bring from home when moving to Yerevan is a notarized copy of your diploma or certificate, as it's often required for job applications or university enrollment. Make sure to get it apostilled or certified by the relevant authorities in your home country before arriving in Armenia. This will save you a lot of bureaucratic hassle and ensure that your qualifications are recognized.
- Where to NOT eat or shop in Yerevan are the overpriced cafes and souvenir shops on Northern Avenue, which cater mainly to tourists and offer low-quality products. Instead, head to the Vernissage market, where you can find unique handicrafts and souvenirs at reasonable prices. For food, avoid the restaurants on Republic Square and opt for local eateries like Lavash or Urartu, which serve delicious and authentic Armenian cuisine.
- The unwritten social rule that foreigners often break in Yerevan is not removing their shoes when entering a local's home, which is considered impolite. When visiting an Armenian family, always remove your shoes at the door and wear the slippers provided, as this shows respect for the host's home and traditions. You should also bring a small gift, such as a bottle of wine or a box of chocolates, to show your appreciation.
- The single best investment for your first month in Yerevan is a monthly public transportation pass, which costs around 10,000 AMD (approximately $20 USD) and grants you unlimited access to buses, minibuses, and the metro. This will save you a lot of money and hassle, as you'll be able to travel freely around the city without worrying about individual fares. You can purchase the pass at any metro station or transportation office, and it's a great way to explore Yerevan like a local.
Who Should Move to Yerevan (And Who Definitely Should Not)
Move to Yerevan if you fit this profile:
- Income bracket: €1,500–€3,500/month net. Below €1,200, you’ll struggle with rising rents (€400–€800 for a decent 1-bed in the center) and inflation (5.2% YoY in 2026). Above €4,000, you’re overpaying for what’s essentially a mid-tier Eurasian city—better value exists in Tbilisi or Istanbul.
- Work type: Remote tech (software, design, SaaS), freelance consultants, or entrepreneurs in import/export (Armenia’s 0% corporate tax for IT firms is a loophole worth exploiting). Locals dominate law, medicine, and government jobs—foreigners need a niche. English teachers earn €600–€1,200/month, barely covering basics.
- Personality: You thrive in chaos, enjoy bargaining (taxis, markets, even some cafés), and don’t mind Soviet-era inefficiencies (e.g., internet outages, power cuts in winter). Socially, you’re either introverted (Yerevan’s nightlife is overrated) or deeply embedded in the diaspora (Armenian-American/Western European expat circles are tight-knit).
- Life stage: Single professionals (25–40), digital nomads on a 3–12 month trial, or retirees (€1,800/month buys a comfortable lifestyle). Families should avoid—public schools are underfunded, and international schools cost €5,000–€12,000/year.
Avoid Yerevan if:
- You expect Western-level services. Customer support is nonexistent (try disputing a utility bill), and bureaucracy moves at a glacial pace (residency permits take 3–6 months).
- You’re risk-averse. Geopolitical tensions (Azerbaijan, Turkey) mean occasional border closures, and the dram’s volatility (20% depreciation in 2023) can wipe out savings.
- You need diversity. Yerevan is 98% Armenian; if you’re not white or don’t speak Russian/Armenian, expect stares, microaggressions, or outright exclusion from social circles.
Save on relocation essentials: Packing Cubes Set | Luggage Scale | Travel Toiletry Bag
Your 6-Month Action Plan (Starting Tomorrow)
Day 1: Secure the Essentials (€150–€250)
- Get a local SIM: Buy a Vivacell-MTS or Ucom SIM (€5) with 50GB data (€15/month). Avoid Beeline—coverage is spotty outside the center.
- Book a short-term rental: Use MyHome.am or Facebook groups (Yerevan Expats & Rentals) to find a 1-month Airbnb-style apartment (€400–€600). Avoid long-term leases until you’ve scouted neighborhoods (Kond is artsy but noisy; Arabkir is family-friendly but dull).
- Open a bank account: Visit Ameriabank or Ardshinbank with your passport and rental contract. Expect a 30-minute wait and a €10 fee. Get a debit card (no credit cards for foreigners) and download the bank’s app—cash is still king for 60% of transactions.
Week 1: Legal and Logistical Groundwork (€300–€500)
- Register your address: Visit the Passport and Visa Department (€20 fee) with your rental contract and passport. This is mandatory for residency and unlocks access to healthcare (public clinics are free but understaffed; private like Nairi Medical Center costs €30–€100 per visit).
- Find a coworking space: Impact Hub Yerevan (€80/month) or The Office (€120/month) for reliable internet (100+ Mbps) and networking. Avoid cafés—most have 10 Mbps speeds and no outlets.
- Learn basic Armenian/Russian: Download Drops (€10/month) or hire a tutor (€10/hour via Preply). Even "Barev" (hello) and "Shnorhakalutyun" (thank you) reduce taxi overcharging by 30%.
Month 1: Deep Dive into the City (€800–€1,200)
- Get a residency permit: Apply for a temporary residence permit (€100 fee) if staying >180 days. Required documents: passport, rental contract, bank statement (€2,000 balance), and a health certificate (€50 from Erebuni Medical Center). Processing takes 2–3 months—start early.
- Buy a used car (optional): A 2010 Toyota Camry costs €5,000–€8,000 (imported from the EU). Public transport is unreliable (marshrutkas are cramped; metro has 1 line), but parking is free everywhere. Alternatively, use Yandex.Taxi (€1–€3 per ride).
- Join expat communities: Attend Yerevan Digital Nomads meetups (free) or Armenian-American Chamber of Commerce events (€20–€50). The diaspora is your safety net—locals are friendly but slow to trust outsiders.
Month 3: Optimize Your Life (€500–€1,000)
- Negotiate a long-term lease: Landlords prefer cash (USD or EUR) and may offer 10–20% discounts for 12-month contracts. Inspect for mold (common in Soviet-era buildings) and ensure the water heater works (winters are -10°C).
- Set up utilities: Electricity (€20–€50/month), water (€5–€10), and gas (€10–€30) are cheap, but internet (€20–€40 for 100 Mbps) is the only reliable service. Use Ucom or Vivacell—avoid Rostelecom.
- Find a gym/doctor: Fitness House (€40/month) or CrossFit Yerevan (€60/month). For healthcare, register with Surb Grigor Lusavorich Medical Center (€50/year for basic coverage) or use Nairi for emergencies (€100–€300 per visit).
Month 6: You Are Settled