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      Super Cheap

      • Chitré, Panama
      • Santa Marta, Colombia
      • Phuket, Thailand
      • Dumaguete, The Philippines

      Cheap

      • Medellin, Colombia
      • Boquete, Panama
      • Kyrenia, Cyprus
      • Hua Hin, Thailand
      • The Algarve, Portugal

      Affordable

      • Valencia, Spain
      • Cascais, Portugal
      • Las Terrenas, The DR
      • Pisa, Italy
      • La Rochelle, France
      • Mazatlán, Mexico

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      • Ambergris Caye, Belize
      • Kotor, Montenegro
      • The Panama City Beaches
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      • Home
      • Countries

        Top Destinations:

        Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

        • Spain
        • Portugal
        • Panama
        • Belize
        • Colombia
        • Cyprus
        • Mexico
        • France
        • Montenegro
        • Browse All Countries

        Best For:

        • The Best Places To Retire
        • Health Care Abroad
        • Cost Of Living
        • Investing in Real Estate
        • Establishing Residency
        • Gun Laws In The World
        • English-Speaking Countries
        • Safest Places For Retirement
        • Best Places In Latin America
      • Budgets

        How Much Will It Cost You To Live Overseas?

        The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

        Super Cheap

        • Chitré, Panama
        • Santa Marta, Colombia
        • Phuket, Thailand
        • Dumaguete, The Philippines

        Cheap

        • Medellin, Colombia
        • Boquete, Panama
        • Kyrenia, Cyprus
        • Hua Hin, Thailand
        • The Algarve, Portugal

        Affordable

        • Valencia, Spain
        • Cascais, Portugal
        • Las Terrenas, The DR
        • Pisa, Italy
        • La Rochelle, France
        • Mazatlán, Mexico

        Luxury

        • Ambergris Caye, Belize
        • Kotor, Montenegro
        • The Panama City Beaches
        • Paris, France
      • Resources

        Global Living

        • Living & Retiring Overseas
        • Raising A Family Abroad
        • Foreign Residency & Citizenship
        • Offshore & Diversification

        Making Money

        • International Real Estate
        • Banking
        • Employment
        • Investing

        Follow Us:

        • Meet Our Experts
      • Real Estate

        Join our Weekly Newsletter
        Overseas Property Alert

        Sign up for our weekly newsletter to receive expert insights on the best international real estate investment opportunities.






          We Value Your Privacy! We will not share your email address with anyone else, period.

          Buying Real Estate For Cashflow

          • Discover tips and strategies used by global property investing veterans

          Explore Our Latest Posts

          • Learn how to invest and purchase property abroad…

          Go To The Overseas Property Alert Site

          • How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams
        • Conferences

          Upcoming Events

          • Explore Our Events Site

          Live and Invest In Spain Conference

          Offshore Wealth Summit

          Greece Workshop

          VALENCIA, SPAIN

          Sep. 17-19, 2025

          PANAMA CITY, PANAMA

          Oct. 15-17, 2025

          VIRTUAL

          Nov. 13, 2025

          LEARN MORE
          DISCOUNT
          LEARN MORE
          PRE-REGISTER
          LEARN MORE
          PRE-REGISTER
          • MORE EVENTS

          Contact Our Events Team

          Toll-Free U.S. and Canada:
          1 (888) 627 8834
          From Outside North America:
          1 (443) 599 1221
          Working Hours
          Monday – Friday 08:00 am – 17:00 pm EST.

          Reach us with your questions by email at: events@liveandinvestoverseas.com

        • Store

          Unlock The World

          • Access Your Library

          Overseas Havens Reports

          • Expats' comprehensive destination guides

          Conference Kits

          • Hours of coverage  from our latests conferences

          Lahardan Books

          • Titles on living and investing around the world
          • Explore Our Store
          Your passport to a life well-lived abroad

          Services

          overseas living letter offers affordable retirement guidance
          The Simon Letter Wealth Protection Insights
          Global Property Advisor Global Investment Opportunities

          Our Customer Service team is here to assist with any questions or concerns CustomerService@LiveandInvestOverseas.com

        • My Library
        Live and Invest Overseas
         Free Panama Guide

        LIVE AND INVEST IN PANAMA

        view of the skyline in Panama City, Panama,

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        IN THE AMERICAS

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          Home Countries Panama

          Why Moving To Panama Could Significantly Reduce Your Cost Of Living

          "I've Cut My Cost Of Living 75% By Moving To This Paradise"

          by Kathleen Peddicord
          Feb 17, 2022
          in Panama, Retirement/Living
          0 0
          Adobe Stock/Oleksii Fadieiev

          Adobe Stock/Oleksii Fadieiev

          I’d forgotten how invigorating an in-person conference can be…

          Reconnecting with old friends from across Panama as well as All Access Pass  and Panama Circle members who’ve made the trip to join us for our first in-person Panama event in more than two years…

          While making new friends with readers attending an in-person event with us for the first time.

          Conversations are high-energy and diverse.

          We’ve covering all aspects of living, retiring, investing, owning property, and starting a business in Panama.

          Expat Gabrielle Wells’s Experience: Living Well On A US$1,200 Monthly Budget After Moving To Panama

          Expat Gabrielle Wells, who made her move from St. Louis to Panama City a year ago, at the height of the pandemic, put one of the big benefits of relocating your life in Panama into perspective when she told the crowd:

          “My total monthly budget in Panama City is US$1,200, including lots of local travel and activities.

          “That’s what I was spending on rent back in St. Louis.”

          Gabrielle went on to offer two key points of advice for would-be Panama expats…

          “My top tip, based on my experience over the past two years of planning and then executing my move,” she said, “is to put some support systems in place before you show up in Panama. I was able to do that through Facebook and other online groups, and I was so glad I did. I never felt alone, even on days when things were going wrong. And, believe me, you’ll have days when things go wrong.

          “My other biggest piece of advice,” Gabrielle continued, “would be to make an effort to become involved in your new community.

          “As soon as I arrived in Panama City, I began looking around for ways to volunteer… and, as a result, my support system grew really fast. I’ve been living in Panama full time for a year now, and I have more friends here than I did in St. Louis.”

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          Why Your Cost Of Living Will Be Reduced In Panama

          Expat Phil Schlesinger reinforced Gabrielle’s point about the opportunity Panama presents for reducing your overall cost of living, maybe significantly.

          “If you own a condo on Lake Shore Drive in Chicago, where I’m from,” Phil explained, “you’ll spend something like US$1,500 or US$1,600 a month on HOA fees and another US$1,100 or US$1,200 on property taxes.

          “That’s as much as US$2,800 per month in carrying costs for a property.

          “The #1 address in Panama City is Avenida Balboa, which runs along the Bay of Panama. Own an apartment there and you’ll be on the hook for US$500 per month, max, for HOA fees and property taxes.”

          That’s not to say that Panama City is a top budget retirement option. I do not think it is… though some who’ve joined us in Panama City this week have disagreed.

          Expat Dusty Tubbs Experience: Cut His Cost Of Living 75% By Moving To Chitré, Panama

          For my money, the top budget retirement option in Panama today is a little town on the Azuero coast called Chitré.

          Expat Dusty Tubbs says he cut his cost of living 75% by moving from the United States to Chitré.

          “Sorry, Kathleen,” Dusty called out from the stage this morning as he shared his story with the assembled crowd, “but I’ve got to take issue with you.

          “As far as I’m concerned Panama (not Portugal!) is still the best place in the world to retire.”

          Fair enough, Dusty. It’s all about finding your fit.

          Sincerely,
          Kathleen Peddicord signature
          Kathleen Peddicord
          Founding Publisher, Overseas Opportunity Letter

          Tags: 'Expats In Panama''panama city'Azuero PeninsulaChitrécost of living in panamacut expensesexpenses in panamaLife In Panamalive in PanamaPanamareduce cost of livingretire in panama
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          Kathleen Peddicord

          Kathleen Peddicord

          Kathleen Peddicord has reported on opportunities for Americans to live, retire, and do business overseas for 40 years. She has traveled to more than 75 countries, invested in real estate in 24, established businesses in 7, renovated and built properties in 6, and educated her children in 5.

          Kathleen has moved children, staff, enterprises, household goods, and pets from the east coast of the United States to Waterford, Ireland, then to Paris, France, and finally to Panama City, Panama, where she has based her Live And Invest Overseas business. Peddicord and her husband, Lief Simon, now divide their time between Panama and Paris.

          Peddicord was a partner with Agora Publishing’s International Living group for 23 years. She opened, staffed, and operated International Living publishing and real estate marketing offices in Waterford, Ireland; Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France. Peddicord launched Live And Invest Overseas group in 2008 and has built it into a successful multimillion-dollar business. Today, she shares her firsthand experience of expat life with more than 500,000 readers of her publications, including Overseas Opportunity Letter and Overseas Living Letter.

          Kathleen has been featured often in The New York Times, MSNBC, AARP, CNN, Bloomberg, CNBC, and more and writes monthly about expat matters, international real estate, and offshore diversification for Forbes and U.S. News.

          Kathleen has written several books including the memoirs “At Home In Ireland” and “At Home At Los Islotes” and her latest title “At Home Abroad,” all published by Lahardan Books. Her best-selling "How To Retire Overseas: Everything You Need To Know To Live Well (For Less) Abroad” was published by Penguin Random House in 2018 and her “Buying Real Estate Overseas For Cash Flow (And A Better Life)” was published by Wiley in August 2020.

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                HOME

                Top Countries

                • Spain
                • Portugal
                • Panama
                • Belize
                • Colombia
                • Cyprus
                • Mexico
                • France
                • Montenegro

                Best For:

                • Health Care Abroad
                • Retirement Living
                • Cost Of Living
                • Investing in Real Estate
                • Establishing Residency
                • Gun Ownership
                • English Speakers
                • Safety
                BROWSE ALL COUNTRIES

                Budgets

                How Much Will It Cost
                To Live Overseas?

                Super Cheap

                • Chitré, Panama
                • Santa Marta, Colombia
                • Phuket, Thailand
                • Dumaguete, The Philippines

                Cheap

                • Medellin, Colombia
                • Boquete, Panama
                • Kyrenia, Cyprus
                • Hua Hin, Thailand
                • The Algarve, Portugal

                Affordable

                • Valencia, Spain
                • Cascais, Portugal
                • Las Terrenas, The DR
                • Pisa, Italy
                • La Rochelle, France
                • Mazatlán, Mexico

                Luxury

                • Ambergris Caye, Belize
                • Kotor, Montenegro
                • The Panama City Beaches
                • Paris, France

                Resources

                Global Living

                • Living & Retiring Overseas
                • Raising A Family Abroad
                • Foreign Residency & Citizenship
                • Offshore & Diversification

                Making Money

                • International Real Estate
                • Banking
                • Employment
                • Investing
                Meet Our Experts

                Real Estate

                Overseas Property Alert 

                 

                How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams

                VISIT SITE

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                Discover tips and strategies used by global property investing veterans

                READ MORE

                Explore Our Latest Posts

                 

                Learn how to invest and purchase property abroad…

                EXPLORE

                Conferences

                Live and Invest In Spain Conference

                VALENCIA, SPAIN Sep. 17-19, 2025
                LEARN MORE
                DISCOUNT

                Offshore Wealth Summit

                PANAMA CITY, PANAMA Oct. 15-17, 2025
                LEARN MORE
                PRE-REGISTER

                GREECE WORKSHOP

                VIRTUAL Nov. 13, 2025
                LEARN MORE
                PRE-REGISTER
                MORE EVENTS

                Contact Our Events Team:

                Toll-Free U.S. and Canada:
                1 (888) 627 8834

                From Outside North America:
                1 (443) 599 1221

                Working Hours
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                Reach us with your questions by email at: events@liveandinvestoverseas.com

                Store

                Overseas Havens Reports

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                • Hours of coverage  from our latests conferences

                Lahardan Books

                • Titles on living and investing around the world

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