Natalie Knowing what to consider when moving abroad can save time and money and prevent stress. Whether you’re a British expat seeking new opportunities in European countries or embarking on a preferred destination country, the logistics of expat life are both exciting and daunting. Numerous factors, from visa requirements to financial institutions and adapting to new cultures, presents challenges.
After settling in, expats also need to navigate the daily necessities of life, like access to money, foreign languages, utility companies, and area-specific communities. After all, this isn’t a holiday anymore, but a new life in a different country.
Moving abroad is a transformative journey that presents both challenges and opportunities. You embark on your expatriate adventure with confidence and peace by carefully considering visa requirements, financial preparation, healthcare, logistics, cultural adaptation, and community integration.
Remember to allow plenty of time for planning and preparation, seek professional advice when needed, and remain open-minded and adaptable as you navigate the intricacies of expat life. With thorough research, strategic planning, and a positive attitude, your move abroad will begin an enriching and fulfilling chapter. So, let’s look at how to prepare for this significant life change.
What to Consider When Moving Abroad
1: Savings, Money and Cost of Living
Growing your savings before taking up permanent residence will avoid financial struggles. Have more savings than you think you’ll need as unexpected expenses may arise, and additionally if it all goes wrong, you have money to fall back on. Substantial savings provide safety nets to cover your basic needs and emergencies without stress.
Savings help ex-pats plan and adjust expenses accordingly. Many countries also offer higher interest savings account than the UK. Moreover, having clear goals in mind drives financial decisions. Overall, do remember to research the cost of living in your chosen country, but also factor in inflation! This is the number one mistake expats make.
2: Research Tax Laws on Wages and Pensions
Researching tax laws is essential to understand the potential tax liabilities in both the host country and the individual’s country of citizenship. An accountant knows how to navigate the complex tax laws of both countries. They help determine if the individual qualifies for any exemptions or deductions and assist in calculating the correct amount of taxes owed. If you are a retired expat, then also check the laws on your taxable pension.
American expats, in particular, should be aware of their requirement to still file their taxes in the United States, regardless of location. The United States operates on citizenship-based taxation, meaning all U.S. citizens must report their worldwide income, irrespective of where they live. Failing to file taxes results in penalties and even legal consequences.
Consulting with legal advisors clarifies legal obligations, like national insurance contributions or capital gains tax liabilities, ensuring compliance with local laws.
3: Culture and Language Barrier of your Destination Country
Cultural norms shape daily life, social interactions, and societal expectations, and etiquette is highly valued in many cultures, including polite language, greetings, and gestures. Entertainment offerings differ across countries, reflecting people’s diverse interests and preferences.
Whether it is traditional forms of entertainment like folk dances or puppet shows to modern innovations like movies, music concerts, and sports events, adapting to new cultures and languages is integral to the expatriate experience. Joining area-specific expat communities provides valuable support in navigating cultural differences and adjusting to life abroad.
Remember the approach to food and drink also varies from one culture to another, and national pastimes often reflect society’s values and interests. Traditional sports like football, cricket, or martial arts are popular in some countries. In contrast, others have unique pastimes like bullfighting or camel racing.
The working culture in each country also differs, ranging from hierarchical structures to more egalitarian environments. Adapt to local working practices, including appropriate dress codes, punctuality, and communication styles. Language is the centrepiece, and understanding it is essential for effective communication. Researching language customs and etiquette will prevent misunderstandings and show respect towards local cultures.
4: Passport and Important Relevant Documents
When relocating, ensure legal documents are in order and in paper form. First and foremost, have a valid passport for identification and various purposes like opening bank accounts, obtaining visas, and signing rental agreements. Make sure your passport is up to date and has sufficient validity remaining.
In addition to passports, other necessary documents in your relocation checklist include birth, education, divorce, and marriage certificates. Don’t forget tax records, medical records, education records if you have children, driving licenses, bank statements, rental or tenancy agreements, employment references, and up-to-date CVs or resumes. These documents are valuable in various situations, like applying for jobs, renting property, or opening local bank accounts.
Please keep copies of all legal documents secure and provide them as needed throughout your expatriate journey. Ensuring you have these essential documents packed, you will be better prepared for administrative processes and minimise potential hassles or delays.
5: Check the Residency and Visa Laws of Host Countries
When planning to move overseas, thoroughly research and understand the residency laws and visa application process. Visit the government website for immigration and visa matters for comprehensive information on residency requirements, documentation needed, and visa application processes. Read through these guidelines carefully to avoid potential complications.
One crucial step is understanding the visa requirements. Depending on the visa—whether it’s a temporary visa, work visa, or permanent residency—gather relevant documents like passport copies, visa application forms, and possibly even divorce papers or immunisation records.
Research visa processing times and plan accordingly to allow time for unexpected delays or additional paperwork. By understanding residency and visa laws, expats proactively prepare to meet all requirements and smoothly transition into life overseas.
6: What are Your Health Insurance Options and Costs?
Healthcare is of utmost importance, especially for expats in the later stages of life or with pre-existing medical conditions. Researching these options ensures proper medical care in emergencies or for ongoing medical conditions. Some countries have limitations or exclusions for certain conditions, so check this out, and also research availability and prescription medication costs.
Some countries have socialised medicine, where healthcare is provided by the government and funded through taxes. In such cases, residents may access free or low-cost healthcare. However, these systems have long waiting times or limited options for specialised treatments.
Private health insurance will cover healthcare expenses when moving to countries without socialised medicine but consider job roles, family status, and country-specific requirements when choosing insurance options. Different policies cover hospitalisation, doctor visits, medications, and emergency care.
7: Bank Accounts, Cards and Managing Finances
Financial advice is paramount when relocating overseas. Before departing, assess living costs in the destination country and create budgets for financial stability during the transition period. Notify your current bank of your impending move and inquire about international banking options, including the possibility of opening an international bank account to facilitate seamless transactions across borders. Consider obtaining credit and debit cards with minimal foreign transaction fees to conveniently access money abroad.
Consulting with financial advisers helps manage tax liabilities, transfer funds, and maximise financial resources. Have copies of relevant financial records and set up direct debits for ongoing expenses, like council tax payments or utility bills, to avoid disruptions to essential services. Banking and financial records are vital.
Understand banking regulations and find suitable banks to carry out foreign transactions. For foreign transactions, a bank specialising in this area will save time, money, and unnecessary charges. Not all banks handle international transfers and currency exchanges efficiently.
Digital banking is convenient for potential issues that arise with traditional banks. Since most financial transactions are online, individuals save valuable time and effort. Additionally, digital banks often offer competitive exchange rates and lower fees for foreign transactions, making them ideal for seamless international banking services.
8: Somewhere to Live in Your New Country of Residence
When finding somewhere to live abroad, the process seems daunting, but with proper research, it is easier. The first step is researching different neighbourhoods to determine which suits your needs and preferences. Look into safety, proximity to amenities, and transportation options. Online resources and expat forums provide insights from those who have already moved.
Local estate agents or rental companies help with available properties, pricing, and local rental regulations, as well as answering questions about the buying and renting processes. For permanent residence, it is worth investing in purchasing property rather than renting. However, if frequent relocation is expected, renting may be more suitable. Additionally, determine the space available in the properties you look at. For living somewhere year round, you need a spacious home and not a holiday home!
9: About Driving Licences Overseas
In some cases, individuals may need an international driving permit (IDP) alongside their valid driving licence from their home country. An IDP is a translation of the individual’s original licence and is recognised in many countries worldwide. Check whether the new country accepts IDPs and if they are necessary for driving.
These requirements may vary from country to country, so consult with the local transportation department or foreign embassy to determine if additional steps are required. Some countries may require foreigners within their borders to obtain a local driving licence, which may involve an application process, including tests and fees. Age limits, application procedures, and additional requirements like IDPs should all be thoroughly researched and followed to avoid legal complications while driving overseas.
10: About Working Overseas
To work in a foreign country, ascertain the specific visa or work permit requirements for that country. Some countries don’t allow foreigners to work. Some countries operate specific digital nomad visas for those who don’t plan on setting up a home. Working in a foreign country is a different ballgame and worth much research.
11: Taking Pets Abroad
Taking pets abroad requires careful preparation and adherence to specific processes. This typically includes a valid pet passport or health certificate issued by a licensed veterinarian, proving your pet is up to date on vaccinations and in good health.
Your pet may require specific immunisations or preventive treatments. Typical requirements include rabies vaccinations, deworming, and tick and flea treatments. Ensure these are administered well before travel and recorded in your pet’s health documents.
When travelling abroad, pets are transported by air, sea, or land. Each mode of transportation has specific rules, from carrier size restrictions to temperature guidelines. Research and comply with requirements for your pet’s safety and comfort during the journey, and get quotes from various pet carriers.
Using professional animal transportation companies dramatically simplifies the process. These experts are familiar with the legalities and logistics of transporting pets abroad and on documentation, immunisations, and suitable transportation options. Before leaving, consult with your veterinarian to assess your pet’s overall health, discuss specific precautions and obtain a letter confirming their fitness to travel.
12: Consider Mobile Phone Options
When moving to your host country, decide what mobile phone services are available. Some providers offer international plans or roaming services that allow you to use your phone abroad without issues. However, these plans are expensive.
Unlocking phones is another option, so you can use your phone with different SIM cards from local providers. This is cost-effective for taking advantage of local rates and avoiding roaming charges, but not all phones can be unlocked, and in countries like Turkey, they are automatically blocked.
However, purchasing a local SIM card is the best option for those who move overseas permanently. This option allows expats to have a local phone number and use local rates and data plans. It is cheaper than international plans and allows switching providers if needed.
13: Logistics and International Mover Companies
Research reputable international removal companies and obtain quotes to compare costs and services. Consider the household size, distance to your destination, travel time, and specific requirements, like pet carriers for transporting beloved pets. International removal costs are sometimes hefty, and most people decide to take personal items and buy new furniture.
Many UK-based companies give international removal quotes. When selecting a preferred mover, inquire about service inclusions, insurance coverage, and the estimated duration of the move. Allow extra time for unforeseen delays and have all travel documents, including passports, visas, and immunisation records, readily accessible throughout the process.
14: Quality of Life and Community Integration
Ultimately, amenities, public transport, and existing expat communities influence the expat’s quality of life. Research services like public transport, schools, and recreational facilities, ensuring they align with your lifestyle preferences and priorities. Seek out opportunities to participate in cultural events and activities. Embrace opportunities to immerse yourself and forge connections with expatriates and locals. Also allocate time for leisure activities and exploration, allowing yourself to enjoy the experience of living abroad to the fullest.
15: Moving Abroad with Children
Moving to a new country is a significant undertaking, and when children are involved, the complexity increases exponentially. Research international schools and evaluate their curriculum, accreditation, and facilities, as well as language of instruction, extracurricular activities, and support services for expatriate students.
Moving is daunting for children, especially when learning about different cultures and lifestyles. Explore opportunities for cultural enrichment, like language classes, local festivals, and cultural excursions, to facilitate their integration into the new environment. Additionally, seek local expatriate communities and support groups where your children meet peers who share similar experiences and foster new friendships.
Language barriers pose significant challenges for children adjusting to a new country. Take proactive steps to support their language development by enrolling them in language classes or immersion programs, and encourage them to speak the local language by providing opportunities for language exchange with native speakers. Bilingualism is a valuable asset and facilitates their integration into the new culture.
Use Our International Property Services
Are you dreaming of a life overseas, surrounded by stunning landscapes, rich culture, and endless adventure? It’s time to turn those dreams into reality! Whether you’re seeking a beachfront villa in a tropical paradise, a charming cottage in the countryside, or a modern apartment in a vibrant city, we have diverse properties in countries like Spain, Cyprus, Dubai, Turkey, Portugal and the Balearic islands, to suit every lifestyle and budget.
Please browse through our carefully curated selection of international properties and envision yourself living your best life in a new corner of the world. From luxurious amenities to breathtaking views, each property offers opportunities to live overseas. Don’t let uncertainty hold you back—take the first step towards your expatriate adventure today. Explore our international real estate portfolio for sale and plan your move abroad.
More About Moving Overseas and Expat Life
Best Cities in the World to Live: In a world characterised by diverse cultures, dynamic economies, and varied lifestyles, certain cities emerge as veritable paradigms of the ideal living experience. These cities stand out not only for their breathtaking skylines and architectural marvels but also for the quality of life they offer to their residents. For the pulsating energy of urban life, let’s find out which major cities and existing expats are ranked as the best places to live.
Common Mistakes When Moving Abroad: As property agents who sell holiday homes and houses for permanent living abroad, many foreigners have transitioned to living overseas. Most people make moving work, and only a few return, but primarily for family reasons. Experts say moving house is one of life’s most stressful experiences, let alone moving to a different country. So, as well as knowing what to consider when moving abroad, here are some mistakes to avoid.
