How To Live Cheaply Overseas

According to, Americans are leaving the country in record-breaking numbers. So – What’s been happening? Where are they going? and Why?

It began in 2016-2017, when it was estimated that 9 million people had exited America to seek residency elsewhere. AARO (Association American Residents Overseas) states that people search among 160 countries to find their new home. The reason? FINANCES People have discovered that they can live more cheaply overseas.

Interestingly, in the USA women are leading the exodus. Thirteen percent of men and twenty percent of women seek affordable, comfortable housing in various parts of the world. Those are fairly high numbers. Largely, an insurance site. You’ll need some overseas.

What’s Out There

There’s an abundance of information about living overseas, moving to another country, retiring early (or late), being a digital nomad, following the seasons for the best weather, and just wanting to travel. I’ve had my eye on Europe for a long time. My paternal grandfather was born in Vienna, Austria, and it’s a place I want to explore. I am German on my mother’s side, so that’s another place to visit.

First, think about what you’re looking for. People who have made the move, or who travel extensively, are generous with the ins and outs of travel, regardless of your particular reasons. Finding affordable, comfortable housing is not difficult. Whether you’re staying for a few weeks or a few months, the choices are numerous.

Cost Of Living

I can vouch for the fact that the cost of living is impacting my basic budget needs. Earning while retired is big for the senior community. Starting a portable business of some sort is an excellent way to earn extra cash. The internet provides a perfect opportunity for setting up a business that you can take with you, wherever you go. Need help with the digital world? This link has an abundance of information.

The following links are my websites with posts about women, work and money.

Tackling the short cash situation gives you a leg up, but if you’re just counting on your monthly cash flow (social security, pension, IRA, etc.) living abroad can be managed.

Finding The Gems

It isn’t hard to locate places that are comfortable, interesting and affordable. Let’s start in Europe. There’s more to a country than its large, popular cities. There are beach communities, mountains, rural/small town areas – just about anything to suit your heart’s desire.

Portugal has become the go to place to check out for a visit, long or short, or to relocate permanently.

The Algarve area, in the southern part of the country, offers excellent health care, a mild (54-74 degrees) year around temperature, low food and housing costs ($870 rent), and English-speaking citizens.

Spain and France’s living costs are higher in well-populated areas, but still affordable. All the European countries I’ve researched have excellent/superb health care. Temperatures depend on where you live in the country, and the euro is the main currency in most. Some countries, like France and Italy require that you learn to converse a little in their language. Italy’s cost of living is very reasonable.

My resources for most of this information is from the link below. It’s my major source for learning about other countries.

Use keywords to Google other resources for information about living overseas. Some keywords:

living abroad

living overseas

retirees moving overseas

best places to retire

retiring in Central America or South America

retire to Asia You can surf around and find good resources.

The Picture At Home

When looking for data and statistics, I turn first to government websites. They are up-to-date, easy to navigate, and offer content in several media options – text, charts, pictures. The Department of Labor – – is a major resource for me. You can navigate a bit to become familiar with the layout. For more data on necessities, click on the link below for the Consumer Price Index (CPI). This gives specific numbers as to Cost of Living facts.

The truth is, the cost of living just keeps going up, and though our economy is strong, it’s hard to keep up on a fixed income.

What I’m Doing

I began to look into living alternatives a couple of years ago. The housing crash created an enormous need for rentals, of all sizes and costs. My house was paid for, but had started to need repairs and replacements. I lived in a retirement community in Arizona, a place I loved, but I decided to return to Minnesota to re-connect with family and roots.

I sold my house in Arizona and moved back to Minnesota. I also sold my furniture and my car. The place I rented was in an area in which I could walk or take a bus for everyday needs. It was a good choice. I loved seeing friends and family, grandchildren, and old neighbors I hadn’t seen in years. However, the cold winters reminded me why I moved to Arizona in the first place. I moved back to Arizona after a couple of years.

Today I’m in Austin Texas. I’ll be here until the week before Christmas, when I fly to Calgary, Ca.where I have family. In April I plan to join a conference in The Algarve, Portugal to see what it’s about. After that, I’m not sure where I’ll go, but will probably return to Arizona. I love the state, and I know my way around.

Here’s another newsletter I read regularly. Newsletter, ebooks, everyday living

Thank you for reading my post. Conecting with one another enriches the dialogue of retiring well and living your best life. Please do leave comments, questions, and stories about your retirement journey.

I love hearing from you,