Living In Europe
Imagine living a fulfilling and adventurous life abroad on just $69 a day, as a couple. For many, it might sound too good to be true, but we’re here to share how you can make this dream a reality. Yes, you can live comfortably—and even thrive—on a budget that fits within the average couples Social Security of $2800 a month. After tax that's roughly $82 a day. With thoughtful planning and an open mind, you can enjoy a vibrant lifestyle in some of the most beautiful and culturally rich countries in the world. It's amazing, we are living in Europe and so can you. Let’s explore how.
Why $69 a Day?
The figure of $69 a day is based on a couple. It's actually our budget so we know it’s an achievable amount that covers all your basic needs—housing, food, healthcare, and entertainment—while still allowing room for the occasional splurge or adventure. While it’s possible to spend more, the beauty of this budget is that you don’t have to. For us, it’s even lower, but $69 is a practical benchmark for those considering this lifestyle.
For those who own property, like a small condo, the savings can be significant. Without the burden of rent, you can redirect your money towards enriching experiences such as dining out with friends or traveling across Europe. Even if you do have rent expenses, the lifestyle we’re advocating for is still very much within reach. For a single person, with $800 in rent, your daily expenses would likely be under $50—a modest increase that still allows for a comfortable and adventurous life abroad. Have questions? Our Trusted Vendors can help.
With a little planning, your dollar can go a long way, especially in countries where the cost of living is significantly lower than in the U.S. Here are some top destinations where $40 a day can open up a world of possibilities:
1. Bulgaria
Cost of Living:Â Bulgaria is one of the most affordable countries in Europe. As of 2024, you can find a comfortable apartment in a smaller city for around $300-$500 a month. Groceries and dining out are also budget-friendly, with meals at local restaurants costing as little as $5.
Healthcare:Â Bulgaria has a well-developed healthcare system. Expats can access private healthcare for a fraction of what it would cost in the U.S. Monthly health insurance premiums are typically around $20-$30 (2024 figures).
Lifestyle: Bulgaria offers a mix of rich history, stunning landscapes, and vibrant cities. Whether you prefer the mountains, the Black Sea coast, or the cultural buzz of Sofia, there’s something for everyone.
Retirement Visa: Bulgaria offers a retirement visa (Type D visa) for non-EU citizens. As of 2024, to qualify, you must show proof of income equivalent to the Bulgarian minimum wage (around €467 per month). You will also need to demonstrate that you have adequate funds to cover your stay, with a recommended amount of around €5,000 in savings.
2. Greece
Cost of Living: Greece’s cost of living varies by region, but overall, it’s very affordable. As of 2024, rent in smaller towns or on less touristy islands can be as low as $400 a month. Groceries and eating out are also inexpensive—expect to pay around $8 for a meal at a taverna.
Healthcare:Â Greece has a public healthcare system, but many expats opt for private care, which is still reasonably priced. Private insurance can be obtained for around $50 a month (2024 figures).
Lifestyle: Greece offers a laid-back Mediterranean lifestyle with access to incredible historical sites, beautiful beaches, and delicious food. It’s an ideal place for those who value culture and relaxation.
Retirement Visa: Greece offers a residency permit for financially independent persons. As of 2024, to qualify, you need to show proof of income of at least €2,000 per month, or €24,000 annually. This amount increases by 20% for a spouse and by 15% for each child.
3. Croatia
Cost of Living:Â In Croatia, you can live comfortably on $1,200-$1,500 a month. As of 2024, rent in smaller cities or rural areas can be as low as $300 a month. Local markets offer fresh produce at low prices, and dining out is affordable, with meals costing around $7-$10.
Healthcare: Croatia’s healthcare system is of high quality, and private healthcare is accessible and affordable. Monthly insurance premiums are typically around $40 (2024 figures).
Lifestyle: Croatia is known for its stunning coastline, historic cities, and vibrant outdoor culture. Whether you’re exploring the Adriatic Sea or enjoying the café culture, Croatia offers a rich, fulfilling lifestyle.
Retirement Visa: Croatia offers a temporary residency permit for non-EU citizens, including retirees. As of 2024, to qualify, you must show proof of sufficient financial means, typically around €2,000 per month for an individual. Additionally, you must have health insurance coverage valid in Croatia.
4. Cyprus
Cost of Living:Â Cyprus is another affordable option for expats. As of 2024, you can rent an apartment for around $400-$600 a month, depending on the location. Groceries and dining out are reasonably priced, with meals costing around $10.
Healthcare:Â Cyprus offers high-quality healthcare services, with private insurance costing around $40-$60 a month (2024 figures).
Lifestyle: With its Mediterranean climate, beautiful beaches, and rich history, Cyprus offers a relaxed and enjoyable lifestyle. It’s an excellent choice for those who love the sun and sea.
Retirement Visa: Cyprus provides a Category F residency permit for retirees. As of 2024, to qualify, you need to show proof of an annual income of at least €9,568.17 for one person or €11,524.83 for a couple, plus €4,613.22 per dependent child. This income can come from pensions, investments, or other stable sources.
5. Portugal
Cost of Living: Portugal is one of Western Europe’s most affordable countries. As of 2024, rent can be as low as $500 a month in smaller cities or rural areas. Food and dining out are also inexpensive, with meals at local restaurants costing around $10-$15.
Healthcare:Â Portugal has a robust public healthcare system, and private healthcare is also available at affordable rates. Private insurance can be obtained for around $50 a month (2024 figures).
Lifestyle: Portugal offers a mix of stunning coastlines, historic cities, and a rich cultural scene. Whether you’re drawn to the vibrant life in Lisbon or the tranquility of the Algarve, Portugal has something to offer everyone.
Retirement Visa: Portugal offers a D7 visa, commonly known as the Passive Income Visa, which is popular among retirees. As of 2024, to qualify, you need to show proof of regular passive income (such as pensions) of at least €760 per month. If you’re applying as a couple, you’ll need an additional 50% of this amount, plus 30% for each dependent.
6. Spain
Cost of Living: Spain is slightly more expensive than some other options on this list, but it’s still possible to live well on $35 a day. As of 2024, rent in smaller cities or the countryside can be around $500-$700 a month. Dining out is also affordable, with meals costing around $12-$15.
Healthcare: Spain’s healthcare system is highly regarded, and private insurance is reasonably priced at around $50 a month (2024 figures).
Lifestyle: Spain offers an incredible quality of life with its rich culture, beautiful landscapes, and world-renowned cuisine. Whether you’re exploring the art and history of Madrid or relaxing on the Costa del Sol, Spain has it all.
Retirement Visa: Spain offers a Non-Lucrative Visa for non-EU retirees. As of 2024, to qualify, you must demonstrate a monthly income of at least €2,400, with an additional €600 required for each dependent. This visa is ideal for retirees who do not plan to work while living in Spain.
7. Italy
Cost of Living:Â Italy can be surprisingly affordable, especially in the south or in smaller towns. As of 2024, rent can range from $400-$700 a month, and food costs are very reasonable, with local meals costing around $10-$15.
Healthcare: Italy’s healthcare system is among the best in the world. While public healthcare is available, many expats opt for private insurance, which costs around $50 a month (2024 figures).
Lifestyle: Italy offers an unparalleled lifestyle with its rich history, stunning landscapes, and world-famous cuisine. Whether you’re enjoying the countryside in Tuscany or the beaches of Sicily, Italy is a dream come true for many.
Retirement Visa: Italy offers an elective residency visa for retirees. As of 2024, to qualify, you must demonstrate sufficient income, typically around €31,000 per year for an individual and €38,000 for a couple. This income must come from pensions, investments, or other reliable sources.
Living on $36 a day may sound challenging, but with the right mindset and planning, it’s entirely possible. Countries like Bulgaria, Greece, Croatia, Cyprus, Portugal, Spain, and Italy offer affordable living with rich cultural experiences and excellent quality of life. Whether you’re living off Social Security or simply looking for a way to make your money go further, these destinations provide an exciting opportunity to live a fantastic life on a modest budget.
So why wait? Join our It'll Be Fun Moving Abroad Program and start planning your adventure today and discover how a little goes a long way in creating a life full of new experiences, joy, and freedom.
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