I am going to answer
@creeper 's PM here, as others will ask the same questions regarding cost of living.
1. Medical aid. You are required to have zorgverzekering from the day you arrive. They will backdate it to the day your passport was stamped. All systems are intelinked here, so you can not lie.
Medical aid for myself, my wife and two children that are over 18, amounts to €132/m. This is the equivalent of Discovery Classic Comprehensive. Children under 18 are absolutely free. And once you see the system in operation, you will pay that money with a smile.
Don't bother going to your GP when you have the flue. He will give you Panados. You have to be in the tunnel of light to get antibiotics.
Having said that, a colleague's wife got medication for accute arthritis that is not even available in SA. Been suffering with it for years, and alsmost cured in 4 days.
2. Accomodation is a bit tricky. You can pay anything from €650 to €1800 for an appartment or house, depending on where you stay. I pay €740, utilities excluded, but then I stay out in the country. Randstad(Amsterdam, Den Haag, Rotterdam, Amersfoort) is pretty expensive, so bank on minimum €1200.
3. Utilities.
Electricity and gas about €50pp, depending on the energy rating of your place. Randstad and some other cities also have stadsverwarming, which is a bit cheaper.
Internet, home phone and TV around €60 for uncapped(they don't do capped) internet and 90 TV channels(60HD). TV over ethernet.
Water is broken up into two. One as a tax and the other for supply. Tax comes in at €90/year and useage I still have to get my bill.
Municipal taxes around €500/year.
Dog license €30/year.
1996 Opel Corsa cost me €1250, €77/3months licensing/tax and €20/m insurance.
4. Schooling.
If you have kids, you pay €40/year for schools. fees Then they pay you €200/3months to keep them in school. Weird. The older the kids are, the more you receive back. Kids have to go to school on the day they turn 3. Before that, they go to kinderopvang(preschool) for a day or two a week. This is not free, as any other daycare. Before the age of 3, you pay an hourly rate.
I have a Type 1 visa, which means my kids are not eligible for EU rates at University, or free transport to university. I have to pay €7500/year per kid, starting in September. As an EU citizen, this cost is €2000 and free transport.
Universities, as I said before, are in English, except if you study Dutch language and other related subjects. "Technicons" and trade schools are all in Dutch.
5. Insurances.
Life insurance for 29 years(Weird) @ €250 000 costs me €60. Aanspreeklikheidsverzekering, which is a must, is €2,50. Full house content and building insurance, including glass and accidental breakage, will set you back €60, but that is only nescessary if you own a house. House content for e is €9.
6. Travel on public transport is awesome, but can be expensive. A trip from where I stay to Schiphol would cost €26 in peak, but €14 outside. But you have to pay €50/year for the discounted off-peak.
Bicycles is where it is at though. 20km for kids to travel to school, is considered the limit. Under that it is a given. And it is easyto do. The country is geared for bicycles.
7. Food is also all over the place. If you shop at the Woolies equivalent(Alber Hein), then have a big budget. If you shop at Aldi/Lidl/Dirk etc, you can half the cost. We checked our costs for March, and a family of 4 adults came in at €600. We are pretty sure we can do it for €400 or less.
Be prepared to eat a lot of chicken, pork and half-and-half mince. Those are the staples. Beef and lamb could be 5-10 times the price of chicken /kg.
We also pop over the border to Germany, and stock up on wine and meat there. Other things too, but the mear=t and wine is pretty cheap there. Chicken €1,60/kg and pork €2,50/kg. Locally those are double or more.
8. Expat groups are aplenty. Amersfoort have a nice general expat group, with awesome people from all over the world. The FB group "South Africans in the Netherlands" has a wealth of info, and is worth joining. But read through before asking questions. Most probably your question has been asked.
The Saffers here have regular outtings and meet-ups. Quite a few this weekend because we go to Den Haag to go vote. Last weekend was a braai weekend, and they also organize camping weekends, Rugby and Rugby 7s tours etc.
9. You can buy a house/property right off the bat, if your finances are sound. I signed the offer from the bank last night, so will be moving into my own place in September. They have two repayment models, Annuity and Linear. Annuity is the way we know it in SA, smae repayment amount over 30 years. Linear you pay the interest off in the first years, then it is only capital. So you start with a higher repayment amount, but at year 29 you pay almost nothing.
Interst is also weird. My loan is broken up into two. 50/50. The interest rate on half is at 1,79% fixed for 10 years, and 2,49% for 20 years on the other half. You can break it up into even more pieces with different fixed interest rates. You can not start of with a variable rate, the shortest fixed term is at 1 year, with an interest rate of 1,19%. but after the 1 year, you can renegotiate, or let it be variable.