About a week ago I was approached by HiFX who asked me to submit a tip to their new expat tip page. Submitting my tip made me realize that I have loads of quality advice for those thinking about a life abroad, so I thought I would share with you some tips I think everyone should know before living an expat life.
As many of you already know, I met my husband through a UK dating site six years ago and left my country for his. I will admit that despite the sweetness of my life with him, there have been a few challenges over the years most of which have involved money.
So let’s start with a few expat money-saving ‘ Know before you go ‘ tips.
1) The high and hidden costs of shipping your household goods.
Any move is costly and when your move is one that takes you and the accumulated contents of your home to a distant shore, you already know that it is going to be considerably more expensive than renting a van for an across town move where you pay your friends for their labor with cold pizza and warm beer.
It can be difficult to know what to believe when searching for a shipper to safeguard your household goods. I shipped two, 200 cubic ft containers several years apart after my initial move to the UK and both taught me expensive lessons in what to avoid. My advice is pay close attention to what people are saying in online forums and dig deep to find both the good and bad experiences of others.
Be sure you completely understand certain details such as shipping timelines after your arrival date in your new country because your costs can double if you overlook areas that are easy to miss in online sites particularly, as in my case, with the UK Customs website.
Once found, some sections may be difficult to interpret if you’ve never shipped anything to another country and despite having two container moves with the same shipper, the company I chose never mentioned several issues that were very costly for me.
2) Do not put off your getting a driver’s license in your new country.
I did, and it is a decision that has cost hundreds of pounds and I still don’t have a UK license yet. When I moved here, I was allowed by law to drive for a year on my US license and I did, but I put off getting one in the UK for a variety of reasons most of which had to do with money. I remember being more than a bit shocked by the multiple fees and high cost and because I had so many other expenses that first year, such as multiple visas, shipping fees and a laundry list of other items, I just put it off.
My delay of five years made it necessary to hire a driving instructor to gain time and experience behind the wheel again. I wrote about this a few years ago when my husband discovered the cost of insuring me as a new driver under a provisional license. You can read my tale of woe by clicking on ‘ What Do You Mean I Can’t Drive Your Car! ‘
3) Staying sane despite banking drama and a loss of financial identity.
When you move to another country you can kiss your financial history goodbye. You have no credit, no work history, and no easily verified qualifications such as your high school diploma or university degree. If you move for love as I did versus being brought over on a work contract, you may struggle to find employment that suits your skills and work experience.
Even volunteering can be difficult due to the expense and time factor in getting the almost aways required police background check. When an organization has a group of people to choose from, even an education degree won’t make you more desirable if your background checks involve contacts in another country.
As for banking and new accounts, go back in your mind to your earliest banking experiences and double the stress involved in setting up even the most basic of checking accounts like those they generally reserve for people too young to have needed one before applying.
All of the above can be disheartening when you are trying to build a new life, but sometimes you find a business that is all help and no hassle and those are the ones who help make the transition easier.
My ‘Know Before You Go’ list has increased during my time as an expat and I am always interested in the experiences and advice of others who’ve left home to create one in another country.
Please share an expat tip you wish you’d known before you made your big move or if you are considering a move abroad, feel free to ask me a question and I will try to help.