James, it's better if you start your own thread as you're likely to get more responses.

Anyway, 14,500 per month for a villa is not a lot. 20,000 seems more appropriate. Some villas actually go for a lot more than that!

Regarding the schools, I know a lot of people who did not manage to get their kids in to school!

Again, better start your own thread, people are more likely to answer to new threads, especially if it is schooling related.