Whitecow, we've found that it costs more than we expected to live in Bali simply because there are many things we forgot to take into account. For instance, a trip to the doctor might cost 450,000 rupiah whereas in Oz our friendly omnigovernment picks up most of the tab. If you have health insurance that will pick up part of the cost and I consider health insurance in this country a necessity. For two people you could expect to pay 40.000.000 annually.
A car, well, you can count on say, 300.000.000. For a motorbike say 15.000.000 rupiah.
I have never seen a horse here and wouldn't have a clue but food and land may be the issue there. I can't tell you the cost of our groceries and petrol because I haven't done an accounting but there will be someone here who can help.
You may already be aware that internet usage is relatively expensive. I don't know where you're from but I can say that our slow internet connection costs as much as our fast connection did in Australia.
We do live in the Ubud area but I cannot tell you how the costs here compare with elsewhere in Bali because this is the only place we've lived. I would have thought the main difference in Ubud expenses compared with other places would be accommodation which you won't have to worry about.
It sounds like you're doing your homework and that will be a big help. Good luck!



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