2023 is slowly coming to an end and we are planning ahead for the year 2024. For me this year was the year to create a foundation for a new business or income stream. At the moment I am an online contractor for four days per week for a British company – fixed days and fixed times. As the work is remote I can work anywhere as long as the time zone is relatively compatible with British office hours. I have worked in several different countries and it is close to an ideal situation.
I said close, as I am not keen on the fixed hours and because I work from France, my day ends rather late. My goal is to create side hustles that over time can replace my current income. You know that passive income that keeps on coming while we sleep. Hey, but a girl can dream and have goals, can’t she?
I have been self employed for over 20 years and most of those years were spent in Australia. It is very easy to be self employed in Australia and several of my business ventures have had moderate success. I have been a remedial massage therapist, a counsellor, an interior designer and had a garden business which was by far the most successful gig.
At the moment I am also self employed – sole trader or auto-entrepreneur as they call it in France, where we have lived since 2017. Being self employed in France is a bit harder to set up but once you are in the French system, it runs quite smoothly. France has changed the rules around being a sole trader during the last 10 years but unfortunately they still hit sole traders hard with social contributions.
We may be considering leaving France…..
The big disadvantage of being in France is not being able to access our Australian pension. The countries do not seem to like each other enough to facilitate that exchange. For that reason – and a few more in fact, we are thinking of moving to Spain as Spain is one of the countries where you can receive an Australian pension. Actually you would be able to receive it in most countries in western Europe except the UK and France.
As a result we have started to research Spain and do a bit of planning ahead. Another reason we want to leave our home town Limoux, is the climate during the winter. It may be in the South of France but we find the winter too long and too cold. One of the main reasons we moved to Australia was the weather and good weather we have had. We spent 17 years in Brisbane and 9 months of the year the climate is close to perfect there. The three other months, summer, are the problem!
So researching Spain means thinking about the weather and in contrary to France, we have to be aware of areas that are too hot. Andalusia for instance, sounds fabulous in the winter, but the summers seem just too much of the good thing. Climate change is making many areas uncomfortably hot. On the other hand we would like the winter to be mild.
Limoux drops to similar temperatures as the winters in The Netherlands, where I am from. And, that, is the country I left because of the weather. I feel I have gone full circle and I am back in what I left. Twenty years ago this part of France may have been true to the claim of having over 300 sunny days per year. At the moment it is far from the truth as the amount of grey days is quite astonishing.
The beach at Roses, Spain
Could a move to Spain be the answer?
We have spent a fair amount of time in different parts of Spain. Mostly visiting my sister who used to own a house near Roses and doing housesits. We have done several housesits in Cataluña and in Denia, both very nice destinations. Unfortunately both are not our cup of tea to settle. Cataluña has the wind we like to avoid – the Tramontana and Denia is comfortable but has too much of everything in a negative way.
Following the climate, reading blogs and talking to people, we have found that Castellón might be an area of interest. Castellón sits in between Valencia and Cataluña. It is quite pretty, is not overly touristy and the climate seems to tick the boxes. So we have decided to check it out.
So here is our planning ahead itinerary
It started with a housesit in the centre of Valencia over the Christmas period. Usually we find housesits during specific housesit sites but this was organised via friends. Thus our Christmas was be in Spain, in Valencia with my husband, myself, one of our daughters and two cute cats. To be honest I was quite excited to say the least. I seem to hear more and more interesting things about this city. In fact it has become the latest ‘in’ destination for people to retire. And I am not sure if this is a good thing, by the way.
After the Christmas period, we will start our research and the first target area will be the area in between Castellón and Valencia. When we search for a destination in France, we created a list with criteria that were important to us. We simply dismissed everything that did not have some of those criteria. It is not easy to create a list like that as you have to anticipate and imagine through planning ahead. You can’t let yourself be blinded by pretty villages that seem perfect. If they don’t have the criteria, they are not perfect nor suitable.
Valencian beach on a sunny winter day with a perfect blue sky
Our list of criteria
Our list of criteria for Spain is different than the list we had for France. After all, we are almost 10 years older and now proximity to hospitals is high up the list. We experienced how important this is when we did an off-the-grid housesit in rural Cataluña. Our car broke down and the French road service could not find our coordinates and we had to meet the Catalan mechanic in a nearby town. Imagine having to do that when you need an ambulance.
I mentioned the weather being one of the criteria, health facilities is surely amongst them and proximity to the sea and hiking areas. Although we will be expats ourselves, we don’t like too many of them and we want the town to be alive all year ’round. Many pretty towns are only alive in the summer and in the winter they turn into ghosts towns. The target is a normal Spanish town where Spanish people live and work with facilities that are open all year.
Limoux is one of those towns and we can conclude that we stayed faithful to our criteria list. It ticked many of the boxes and it still does apart from a few things that I mentioned before. Climate was actually never on the list and we knew about the pension but were not ready to start planning ahead for our pension at the time.
To sum this up, we are preparing and planning ahead our next move abroad. Our oldest daughter reckons that we will never settle as we like to move and explore new places. Fortunately our current lifestyle supports that kind of attitude and lifestyle.
Are you good at planning ahead or does this totally not resonate with you?
After doing a bit of planning ahead for 2024, I felt like reflecting on the year 2023 so far. In January this year I set myself a goal. My goal was and still is to create the foundations for a new business that hopefully and eventually can give me a ‘retirement’ income.
The job I have at the moment is not a bad one at all. I work online and as long as there is good internet, I am able to work where ever I want. No need to commute and to spend money spent on office outfits. A huge disadvantage is the lack of time freedom as it is essentially a job from 9-5.
So the aim is to ‘fix’ that with other income streams. I am aware that this is for many people a dream goal and it may not be as easy as it sounds. I am having a go and the year 2023 was the year to set up a few structures and work towards that goal.
Moving forward in the year 2023
During the first three months I have been focussing on my health and decluttering. Not literally decluttering but shifting unnecessary baggage from my mind and my computer. They do say, if you get rid of un-necessary clutter, you create space for new things. And somehow that happened and an iPhone photography course showed up in my social media feed.
It was affordable and I got stuck in to it when I finally caught covid in June. This little critter made me feel very tired so doing a course seemed a good way of passing the time. I even followed it up with an editing photo course. Very creative stuff and it motivated me to take pictures in a more focussed way.
I have to admit that I dabbled at photography since I was an eight year old. I grew up in a house with a dark room to develop pictures and I had a go at graphic design and photography at art school. You can read more about it at a later stage.
Being on a roll
Since then an online Finnish magazine chose two of my pictures and and published them in one of their online editions. One is the feature picture for this article and the other one is just below. I also have created an account with a stock photo company and I have now submitted close to 20 pictures.
To date, they have accepted 9 of them with a good rating and these nine pictures are now for sale. One photo got a rating of 4/4 and it happens to be the same picture that the Finnish magazine chose. Maybe it is indeed a good photo and you can see it just below.
Published in Docu Books volume 39
I feel I am on a roll. I have even gone so far as making the decision to create a photo gallery website. And after a few weeks of brainstorming a business name with friends and family I have now registered a domain. More about that to come!
So if I draw the year 2023 to a close, I have done two photo courses and have 9 pictures for sale on a stock photo website. Two of my pictures are published in an online magazine and I registered a domain for a photo site. I feel that is a fair bit of progress!
There is more in the pipe line but I am not ready to get that off my chest. After all the year is not finished yet…
Have you ever dreamt about relocating within your country or abroad? Chances are many of you may be perfectly happy with where you are. On the other hand there will be some of you who can’t help having an image of seeing yourself living in a different state or country.
Longing for a different and better life is often an inspiration for a move to a different location. Maybe you like a cultural or climate change or want to immerse yourself in another language or just crave for an adventure.
Relocating from a romantic perspective
Many people from the ‘New World’ countries have a romantic expectation about moving to older cultures. Australians tend to see spending a period in France or Italy as one of the ultimate achievements in life. Many retired Americans move interstate, to Mexico or to Europe for a longer period to find out whether such a move could be off permanent nature. British people have a reputation of seeking out a new beginning in many South European countries.
Such moves are usually driven by positive motives. Yet on countless occasions more critical reasons come into play – war, recession and wanting to escape a political regime can all be reasons to move elsewhere.
The practical reality
Aside from the romantic notion, the practical consequences of ‘relocating’ can be daunting. As a matter of fact settling in another state may separate you from loved ones. Moving countries could strip you from your professional credibility and your qualifications may not have the same status as they have at home.
If your new country has a different language, it is likely to cause you severe stress. It will frustrate you that you don’t know how to do things. Your new local community might not immediately accept you or with great hesitation. Obviously, these are just some of the ‘issues’ that may arise after settling in a new country.
Whatever your motives are for relocating it is wise to spend time reflecting on a couple of essential things. Moving requires a lot of preparation, organisation and the willingness to start from scratch. In other words, take your time to prepare yourself mentally and physically.
Challenge yourself before relocating:
Firstly, take time to assess your big ‘WHY. Brainstorm your motives, emotionally and rationally. Assess the things you will lose or gain and how you and your family will handle that.
Secondly, plan a temporary move. Rent a house in the location of your choice. Live the local life for 6 months and see how you fit in.
Thirdly, consider the practical and emotional consequences for you, your partner, your kids, your jobs and other essential things in life.
Having gone through a handful of moves myself, I urge you to take the above tips seriously. In conclusion, explore your motives, consider the consequences and try it out without committing or burning bridges.
I can totally see that moving abroad seems attractive to many people, as I have done it five times myself. Our last move was in 2017 and we moved from Australia to France. As we are originally from Europe, it felt a bit like going home although France is not our home country.
After more than 5 years in France, we can conclude that our move was successful. We have settled in a lovely small town in the Aude surrounded by vineyards and gorgeous countryside. There is plenty to do in this area although covid threw a huge spanner in the works.
People have asked WHY we left, as Australia is an attractive country to visit and settle. It certainly is or maybe better, it was. We arrived in Australia in 1991 and at that time, it was a great country but it has changed and not entirely for the better.
Our reasons for leaving Australia
Cost of living
Since we migrated to Australia, the country has become increasingly more expensive. Consequently, a reason why we left was the high cost of living.
Easy to settle
France is part of the EC and that makes it relatively easy to settle there. At least for me with a Dutch passport and it would have been for my British husband before UK left the EU. Fortunately, he has been able to get French residency status because of being married to me.
More variety
Being able to see other countries and spend longer periods in other EU countries was part of our decision to leave Australia. Distances in Australia are huge, and it takes time to get a change of scenery. The landscape is stunning but relatively similar and it usually requires a plane trip to immerse yourself into a different type of landscape.
Closer to family and friends
An important factor was to see family and friends more regular although we found out that travelling in Europe is not without hiccups. A flight from Australia to Europe takes 24 hours if you are lucky. As a result, you don’t hop over for a weekend. It requires planning and realistically you may see loved ones only every couple of years. A few people came to visit us, but we often heard that a visit was too costly or would require their total annual holiday.
Climate
If you like it hot, you can have it that way Down Under. After having lived through 17 subtropical Brisbane summers, I can honestly say that I had enough.
What you must consider before moving abroad
Understandably there is a lot to consider before moving abroad. A mistake many people make is not knowing how they could support themselves. It is important to know to find out in advance if you are allowed to work and if there is work available.
If you are thinking of setting up a business, you must find out if there is a demand. Since we moved to Limoux, the offer of holiday accommodation has at least doubled. For example, a bed and breakfast business is not an automatic ticket to success.
Those who plan to retire, they need to check whether it is possible to receive your pension. Do your old country and the country you are going to, have an agreement to pay out pensions. Many Australian have found out that they won’t be able to receive their pension in France.
All in all, moving abroad can be an exciting adventure but it needs realistic planning. You need to assess your reasons why and become clear about the things you will leave behind.
I hope that give you some food for thought!
Feel free to reach out if you want to explore this further.
As a matter of fact, I can and ……..I am proud that I made it.
Curious? Here we go. In April 2022 instead of flying to London I spent unexpectedly a day in hospital on a heart monitor. Consequently I found out that I had a few heart rhythm issues and that I would need an operation. The cardiologist muttered almost mischievously that of course drinking alcohol was not the best thing to do. While saying that he was doing a scan of my heart and did not even look me in the eye.
In France there is a joke that if the doctor asks if you have been drinking and your reply is – ‘No, nothing at all’. He would say: ‘What, not even wine?’
I decided to take the cardiologist’s advice rather seriously. Maybe because deep down I felt that I would love to drink less regularly. In fact I had been thinking about it for some time. I looked up causes of the heart problems I had and there it was – cause number one, alcohol and number two, coffee. Two of my favourites!
The best decision in action
Moving forward 6 months, I am still drinking a few coffees per day. However I have almost removed drinking alcohol from my life and against expectations, it was not hard. To be honest, it almost went by itself.
This made me think as I never before had a real need to stop having a glass of wine. Despite the fact that I felt that I rather would not have the habit. This time the urge to have a drink was gone and I slowly became indifferent about it.
Throughout the summer I explored zero alcohol beers and I discovered they are getting increasingly popular. Furthermore there are some tasty ones out there and I tried a few different brands. When Autumn came and the weather became slightly cooler I did not fancy a cold beer.
Then something interesting happened!
Imagine coming home from work on Friday. You feel like a drink to reward yourself and to finish of the work week. Instead, I felt more and more that that drink was not going to give me that feeling of reward anymore. In fact a cold glass of sparkling water with a slice of lemon had the same effect. It seemed that the association of alcoholic drink and reward had become less strong.
It went even further and even if I poured myself some wine with a meal, I forgot to drink it while I was eating. So why have it then, was the logical conclusion. I am not sure what exactly happened but without me putting any effort into it, I had reduced the association between wine and enjoyment. To be honest I am thrilled that it happened like that.
My best decision made
Now I tend not to drink during the week and have a bit when socialising with friends or going out for a meal. I am happy to sit hours on the tiniest glass of wine and usually end up pouring it into my husband’s glass.
And one more thing – no more bad wine, please! If I have some, I would like a wine I appreciate. For instance there are a few local cafes where they serve rather mediocre cask wine. It definitely is less attractive going there since I made this decision.
Can you relate to this at all? I am sure there are many people out there who wish they could do this as well. Yet it never seems the right moment. In my immediate circle of friends there are at least a handful of people who have made the same decision during the last year.
