I was an expat working in Dubai for 4 years. The culture of splurging on luxuries made saving harder than I expected.

• Victoria Blinova worked in Dubai for four years at a boutique marketing firm and later at Nestlé.
• She grew up in Cyprus and moved to the UAE in 2013 to attend NYU in Abu Dhabi.
• Expats don't pay taxes, but Blinova found saving in Dubai hard because of the luxury lifestyle.

This as-told-to essay is based on a conversation and emails with Victoria Blinova, 30, about living in Dubai and moving to London. The below has been edited for length and clarity.

I grew up in Cyprus and moved to the UAE in 2013 to study at New York University in Abu Dhabi.

While there, I studied Arabic. A significant part of my day-to-day was being immersed in the culture. I wanted to stay in the region after graduation to continue my immersion.

I spent four years in Abu Dhabi, and then I worked in Dubai for four years. Initially, I worked in management consulting in a boutique firm. Later, I got a job at Nestlé and worked there for a couple of years before moving to London.

In Dubai, people are very transient. Everyone's an expat. By my fourth year, most of my friends had left the city. I felt like I needed to explore somewhere new.

Dubai has amazing work opportunities, and I plan to return at some point. There are so many complex and exciting projects you can work on. People are so generous, open to learn, and hungry for opportunities.

For entry-level jobs, if you are at the right company, Dubai is one of the most lucrative markets.

At Nestlé, back in 2019, I was making a good salary tax-free.

When I left Dubai, I saved around 30% of my salary over four years. But I was constantly biting myself thinking I could have saved even more.

It's easy to get sucked into a glamorous life in Dubai

A lot of people in London are like, "I'm going to move to Dubai. It's like 40% to 100% more salary."

But I had a period in my life where I spent a lot more in Dubai than I spent in London. In London, you can be very thrifty, and that's not frowned upon.

When you're in Dubai, it's not part of the culture. Luxury is very affordable. Because of that, everyone automatically opts into that luxury.

I very often went overboard.

I remember clearly booking a five-star hotel to treat myself randomly for 200 dirhams, which is £40 ($50). I'd do stuff like book a five-star hotel for one night, and that's quite normal.

It was also very common to go to yacht parties. I've been to so many.

In 2021, I remember paying £80 for a yacht party. When I told this to my London friends, and they were like, "But that's 80 pounds?" I responded that was cheap for a day on a yacht.

Bottomless brunch is also very common. You would spend every weekend going to very luxurious bottomless brunches. It would be like £100 ($126) to experience something unforgettable.

In Dubai, if you go out, you're not just going to go to a cheap little place around the corner. There are more expectations on gifts.

You can't walk outside your house in Dubai and not spend a significant chunk of money.

Whereas in London, I feel like everything is so unaffordable, you end up not spending. The lifestyle in London differs because social plans can be going on a walk or spending a day in the park. You're not expected to drop £100 on a dinner. You don't have spend money to enjoy your weekend.

Saving choices like getting a roommate or buying a used car weren't the norm

I was renting for 70,000 dirhams a year ($19,058) divided by two. I had a flatmate, which is not very common in Dubai.

I remember my Nestlé colleagues in Dubai asked me, "Why do you live with a flatmate?" They weren't bullying me, but they thought it was a bit weird.

I also drove a used Nissan Juke, which is a nice car in London. But in Dubai, people would ask, "Why are you not driving an Audi?"

My response was, "I'm 25. I'm not going to buy a Mercedes or an Audi, especially I'm not going to buy it new."

I didn't club, and if I did, it was very rarely. Clubbing is a big deal in Dubai, and lots of people spend a lot on it. I also didn't spend money on luxurious brands, clothes, or handbags, because I didn't really care for them.

My mindset is that if I have money to spend, that means I have money to save.

But I'd say 80 to 90% of my surrounding peers, even the smartest people I knew, would literally live paycheck to paycheck. People opt into luxury automatically because it's relatively cheap.

It becomes part of your lifestyle, and this is when you spend all your money. I found it an ongoing problem.

If you're a family, I think it's easier to spend less. You're probably more accustomed to staying at home.

As long as you're staying at home, I think you can make Dubai work and make it very affordable.

But if you're in your 20s or your early 30s, and you're single or a young couple, and you like going out — prepare to spend a lot more than you ever imagined.