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  • 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
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    Buying Real Estate For Cashflow

    • Discover tips and strategies used by global property investing veterans

    Explore Our Latest Posts

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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

    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 About This Event
    Learn More About This Event
    PRE-REGISTER
    Learn More About This Event
    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
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Home Retirement/Living

The First Step To Live Abroad

What Sailing The Hebrides Taught Me About Living Overseas

by Victoria Harmer
Mar 06, 2023
in Retirement/Living
0 0
Tobermory on the island of Mull

Adobe Stock/totajla

One of the perks when you live abroad: “I’ve hired a yacht. “We’ll sail the inner Hebrides… snorkel in secluded bays… spot dolphins and golden eagles… moor up at marinas overnight where we’ll dine on deck watching the sun set…

“I know it’s Scotland, but the forecast is great, smooth seas and clear skies…

“Will you come?”

Truth is, I’d begun firing clothes into a bag the second my friend had said “yacht” and quite a few seconds before I was actually invited along on the trip.

As a general rule, if it’s on, in, or near the water, you can count me in. I’d long held fantasies of living on a sailboat and here, landed in my lap, was the opportunity to test-drive that very notion.

“See you next week.”

Life Abroad

A moored yacht
Living abroad can be an adventure.

Our departure point was the town of Oban, the unofficial capital of Scotland’s West Highlands and gateway to The Hebrides.

We trundled down the dock, our trolley spilling over with supplies and gear, in the shadow of McCaig’s Tower—a folly. And, in hindsight, an omen.

Arriving at our yacht, expectation met reality. Our 32-foot sailing vessel didn’t exactly match up with the images that danced in my head when I first envisaged this adventure… it was certainly going to be cozy onboard.

No matter. I’d merrily enlisted. It was time to soldier.

Off To Adventure

Our maiden voyage was to take us up the Sound of Mull to a harbor where we’d moor overnight. The Sound of Mull is a body of water that separates the island of Mull from the Scottish mainland. It stretches some 18 miles and is three miles across at its widest point. On a good day, it’s as calm as a lake.

We didn’t pick a good day…

Things started off well enough. We hoisted sails to catch the refreshing breeze and were thoroughly enjoying our first foray into life on the high seas. Until, that is, the high seas made their presence felt.

Our captain shouted for the sails to be pulled in. Fast. He took the helm. The wind picked up.

At this point, the mood was still light enough onboard. When the captain mentioned “white horses” I scanned the horizon to see could I catch a glimpse of galloping stallions on the emerald hilltops…

I soon learned that in sailing terminology white horses are, in fact, breaking waves, and, thanks to a squall, we were suddenly faced with a whole herd of them.

The mood shifted. We were told to hunker down and hang on. Tight.

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For 40 minutes we bounced over booming waves. For every one of them all I could think to do, aside from hang on for dear life, was marvel at how utterly unprepared I had been.

I got so swept up in the excitement of the adventure that I’d completely neglected to do any real research.

Learning To Live Overseas

Ordinarily, when it comes to exploring new territory, I’m a total girl scout. But this time out… not so much. Or, more accurately, not at all.

I figured I had spent more than my fair share of time on boats of so many shapes and sizes down through the years that really, how different was this going to be…? Could there honestly be that much I didn’t know…?

Turns out, this was very different. And yes, when it came to sailing there was a whole world of things I didn’t know. But boy was I was learning.

With the wind finally easing, we rounded a headland and in an instant were back in calm waters. The relief as we glided up to the sheltered safe haven of Lochaline Harbor was immense.

There, we moored up at the pontoon and, as promised, dined on deck watching the sun set.

The next morning, fully recovered, I got chatting to a couple on the boat next to ours. They were a few years into their sailing retirement. Less than 24 hours prior I’d have been green with envy… but not now.

I had learnt something pretty vital about sailing in rough waters: I could handle it. I could survive it. But I sure would not want to live with it.

Simply put, for me, it’s a dealbreaker. So long sailing retirement.

And that’s okay. I’m glad I learned that when I did, rather than realizing after I’d plunked down a chunk of change on a sailboat of my very own.

Moving Overseas

When it comes to a move overseas, doing your research is all-important. Of course, there are those folks who’ve leapt in feet first and happily landed in their perfect spot, but they’re the exception rather than the norm.

It’s safe to say, since you’re reading this letter, you’re on the right track. You’re listening to the experts… learning from their mistakes… working out your own dealbreakers and must-haves… and planning your move accordingly.

You know that just because you’ve been somewhere it doesn’t mean you know somewhere… at least, not enough to navigate the ins-and-outs of everyday expat life there.

For that, you need to dig a little deeper…

So, whether you’re still in the process of narrowing down your shortlist or if you’ve nailed the destination and are now getting into the nitty gritty of real estate, visas, taxes, and more… as ever, we’re on hand to help.

One of the best ways we know how to do just that is to invite you to join us for a virtual event which allows you to explore your overseas options from the comfort of your own home…

Alternatively, if you’re ready to take it that one step farther and living abroad sounds like the right thing, you can join us on the ground for an in-country event…

Either way is a sure-fire way to help you find out more about the options on your list.

So, you want to live abroad? Do your research. And, if it leads you to rule out a place entirely, that’s still progress… because every step, missteps included, brings you closer to finding your perfect place overseas.

Sincerely,

Victoria Harmer Signature
Victoria Harmer
Editor, Overseas Opportunity Letter

Tags: Live abroadMove abroadretire abroadsailing retirementScotland
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Victoria Harmer

Victoria Harmer

Victoria’s first stint living overseas was when she found herself studying English Literature at a 200-year-old university in the heart of rural Wales. From there, her desire to discover and explore pastures new grew, and in the intervening years have led her to Thailand, Australia, Panama, Portugal, Germany, Bali, and beyond. In her spare time, she enjoys kayaking, dragon boating, and long walks and good conversation with her boxer dog, Bella.

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

Store

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Lahardan Books

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