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    • 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

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        • 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
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        • 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

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        Home Retirement/Living

        The Challenges Of Living Abroad And How To Overcome Them

        3 Things You’ll Hate About Living Overseas

        by Kat Kalashian
        Feb 22, 2021
        in Retirement/Living
        0 0
        Dordogne, France.

        Alamy/Prisma by Dukas Presseagentur GmbH

        It’s been one of those weeks…

        From multiple household-wide illnesses to minor annoyances, major frustrations, and serious disappointments, it feels like we’ve been pummeled.

        Mid-February is my least favorite time of year when I’m in a place where it’s winter. (If you’re nearer the equator, I envy you right now.)

        You’ve gotten through all the good parts of winter, but you’re still stuck in the cold, and it feels like spring is a lifetime away…

        For all these reasons, I’m finding it hard to put a positive spin on things this week… so I’m going to lean into it.

        We’re committed to divulging the “warts and all” of living overseas here at Live and Invest Overseas, so here’s a dispatch fully dedicated to all the things that aren’t so hot about this lifestyle we’ve all chosen.

        Following are my top three peeves about being outside the United States and the workarounds I’ve developed for dealing with them…

        1. The OTC Drugs Suck

        When it comes to getting sick, I’d rather be nowhere on Earth but the U.S. of A. What I wouldn’t give right now for bottomless Nyquil and Dayquil, a candy dish of Halls, and some Afrin spray… but those are all things you can’t typically find overseas.

        Mexico is the big exception here, where pharmaceuticals are more or less the same as they are north of the border. And you’ll have better luck in Americanized parts of Latin America (like Panama) for basic things (e.g. Pepto-Bismol or Tums), but Gas-Ex and even Alka-Seltzer won’t be found. There are equivalents overseas, but none are nearly as effective in my experience.

        Even the painkillers are a faint shadow of their superpowered American counterparts. Tylenol is the substance of choice in Europe, for example… and, unless you’re under 10, I humbly assert that it’s useless. And you can’t just pick up a bottle of 100 Excedrin or Motrin like you can in the States… those brands don’t exist. If you do need something to ease the pain beyond Tylenol, you’ll need to ask the pharmacist what they recommend and hope it does the trick… and buy a dozen boxes, because they’re only sold in little blister packs of a few at a time.

        The Workaround:

        The ultimate workaround for this one is not getting sick… which sounds laughable, but, frankly, the reason so many of these things are not sold overseas is that they aren’t needed. Digestion-related medications are practically unheard of in Europe because, generally speaking, Europeans have more balanced, healthier diets than Americans. Embracing the local cuisine can vastly improve your health, even to the point of no longer needing these aids.

        In Panama, my husband suffered from debilitating, around-the-clock heartburn due (we think) to the amount of oil used in cooking there. After moving to France, the problem disappeared entirely… and has returned only when we visited Panama or the States since.

        But when I have food poisoning, a stomach virus, a cold, the flu… or any of the other hundred ailments that can pop up unexpectedly, I want nothing but my nicely stocked shelf of good old American over-the-counter drugs.

        My first stop whenever I’m Stateside is to hit Target’s pharmaceutical aisles and load up. I always pack a duffel inside my suitcase, and its sole job is to carry back super-size packs of the Quils, Zantac, Claritin, Advil, Excedrin, Tums, Pepto, Midol, Afrin, etc.

        There are also some possibilities for getting certain items delivered but only for the most basic medicines, and typically not the name brands you’ll know from back home.

        2. Customer Service Is A Joke

        Whether you’re in Latin America or Europe, don’t expect that, as customer, you’ll be treated as king.

        In my experience living in Latin America, if you’re shopping at mom-and-pop style businesses, you’ll be treated as family. But as soon as you get into a chain, the staff simply doesn’t understand the value of a customer or their business. Not even the managers seem to, in fact.

        You know summer months in the United States when all entry-level positions seem to be filled by teens who couldn’t care less about the job? That’s what it feels like being a customer in Latin America. They just don’t seem to care.

        This is a gross generalization, of course, but I spent nearly a decade living and traveling throughout Central and South America, and this was my overall takeaway on the topic of customer service throughout these continents.

        In Europe, it’s not the same attitude, but the net effect is the same. Here, employees give the impression that they’re doing you a favor by doing their job. If you’re not the picture-perfect client, you’ll be scolded and sent from the premises. The disappointing experience will be on your… not the out-of-line staff member.

        In any location outside the United States, getting upset and causing a scene only hurts your cause. In every other culture, the response to this reaction is to shut down. You may not get another word out of an employee in Latin America who feels confronted… or, more likely in Europe, you’ll receive a raised eyebrow, pursed lips, and a nonchalant reply to the effect of “too bad,” as the person turns on their heel and out of your orbit.

        The Workaround:

        The only way to rid yourself of this bane entirely is to shop exclusively online… which will only go so far to spare you from human contact. Because eventually you’ll have a delivery problem, or it’s the wrong size, or it arrives damaged… and then you’ll have an even bigger headache trying to contact the company and deal with the issue (especially if it’s in another language).

        I began practicing calming breathing techniques when living in Panama, and I downloaded a meditation app that I could call up whenever I needed to cool down. I also keep audiobooks loaded up on my phone for the endless lines that move at a snail’s pace everywhere outside North America.

        3. The Paperwork Is Atrocious

        Almost anywhere other than the States, you’ll have a lot more paperwork to go through for anything you need to do. Nowhere else is nearly as paperless as North America. In fact, the rest of the world seems to love its hard copies.

        I will say, though, that this issue is a lot worse in Europe than anywhere else I’ve lived. While Panama was far from paperless when I moved there, by the time I left, the capital city had made big strides in streamlining many processes that had been tortuously inefficient. Things like having to wait in a line to pay your electricity bill in person are a thing of the past. You can now pay for your power online.

        But in Europe, I daresay this is the number-one grievance every expat has…

        Things you can do online back home, you have to request in person in Europe. I had to file paperwork to change the physical address associated with my French bank account, for example, and this had to be completed on premises.

        To request a refund for a service not rendered in France, you need to write an official letter and mail it to the company. Yes, an actual letter, in an envelope with a stamp. No phone call will do… and forget email. This is the case whatever the reason for the refund, even if it’s entirely their fault. The only way they can initiate the refund process is with the formal letter.

        The Workaround:

        Get used to it.

        There’s no fighting government…

        Make sure you have a printer at home, buy some envelopes, and keep stamps on hand… that, at least, will make the process less painful than having to go to the post office each time you need to send an unexpected letter.

        This is one of the most annoying things I’ve discovered living as an adult in France, but, on the bright side, I’ve never had one of the refund letters denied or even questioned. You may have to jump through a dozen hoops to figure out what to write and where to send it, but once you do, it’s a fait accompli.

        This is true for much of the paperwork you’ll be asked for in Europe. It’s a long road to collecting it all, but, once you have your stack of documents, they are typically rubber-stamped through whatever process they’re in for. It’s more about their presence than the bureaucrat going through each one with a fine-tooth comb.

        You just have to push through. Eventually you get what you’re after.

        Kat Kalashian
        Editor, In Focus: Europe

        Tags: challenges of living abroadchallenges of living overseaCustomer Servicelive overseasOTC DrugsPaperwork
        Share83Tweet52
        Kat Kalashian

        Kat Kalashian

        Kat Kalashian has grown up around the world, living in the United States, Ireland, France, and Panama, and has traveled extensively in her few years. Growing up as a young expat she is familiar with the trials and tribulations of an overseas move and the adjustments that must be made in every new destination. After living in Panama for seven years, she and her husband relocated back to Paris, France, in 2018 where they now live full-time with their American-born cat, Panamanian-born dog, and two French-born daughters. She's now been living in Paris for over 10 cumulative years, and enjoys being able to explore France and the rest of Europe at every opportunity. As head of Live And Invest Overseas’ European Division, she is Editorial Director of Europe Uncovered, a monthly subscription service, MCs the Europe based Live And Invest Conferences, and scouts out new locations for coverage on the Continent.

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          • Chitré, Panama
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          • Dumaguete, The Philippines

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          • Kyrenia, Cyprus
          • Hua Hin, Thailand
          • The Algarve, Portugal

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          • Las Terrenas, The DR
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