Milo

Heating in an old stone building with single glazing is a genuine four-figure winter and it never appears in a cost-of-living index.

Tracked three cities the same way and the line that surprised me was none of the ones listed: it was the cost of arriving. First month always ran twenty to thirty percent over steady state, every single time.

Deposit, a bad short-term rate before you know the city, buying the things you did not carry, eating out because the kitchen is unfamiliar. Budget an arrival cost per move and the numbers stop looking mysterious.