Ever wondered if it's really that simple to become a digital nomad and start fresh in a new country, leaving all your familiar things behind?
Sure, you've heard about the perks like freedom and independence, but do you really know about the hurdles you might face along the way? Maybe you've read tons of articles and even watched stories on TV, thinking you have a good grasp of what being a digital nomad entails.
But here's the thing: most of these guides and stories come from people who have already walked the path.
They often skim over the nitty-gritty details that are crucial for someone starting from scratch. That's where this guide steps in, offering you a unique blend of insights and practical advice that go beyond the usual tales.
This isn't just any random guide—it's a comprehensive blueprint designed to help you decide if this adventurous path suits you or not. It’s packed with everything you need to be ready for the thrilling adventures and the occasional bumps along the way.
And before I dig in deeper, let me give you a brief insight into where I’ve experienced it.
All in all, for each of these ventures, I've spent between six months and two years in a place, based on how I found it. I've applied the same principles to start a new life over and over again, and it worked. Now, I'm excited to share how you can do it, too.
Ever dreamed of traveling the world without financial worries? Well, that dream starts with finding the right job. Digital nomads are individuals who can work remotely, mainly online, and that's the key to making this lifestyle work. The essentials to focus on are simple: a stable internet connection, a laptop, and reliable electricity.
Freelancers are often the pioneers in the digital nomad world. When I first moved to Romania, I was freelancing—mostly writing and doing small programming gigs. Back then, freelancing wasn’t as mainstream as it is now, but it was a start. The market was diverse, and finding projects on various platforms was easier.
I tried my hand at blogging too, but it didn't pay the bills like freelancing did. Nowadays, there's an abundance of websites where you can connect with clients who need work done. Many companies worldwide outsource tasks, offering plenty of opportunities.
When you're living abroad, alone, stability is crucial. You don't want to run out of money in a foreign land. That's why I prefer working consistently with the same clients, ensuring a steady flow of projects.
Remote work really took off during the pandemic. Many traditional office workers realized they could do their jobs from anywhere. This shift created a new wave of digital nomads, although some have been called back to the office. Meanwhile, some companies noticed savings in real estate and operational costs by having remote teams.
While companies might not hire globally on a whim, remote work has opened up new possibilities. Applicants still go through the usual hiring process, but the difference is they can now work from wherever they choose.
Lastly, having a passive income stream could also allow for a nomadic lifestyle, though starting out this way can be risky. It's important to have a stable financial foundation before relying on investments alone.
Currently, these are the main paths to becoming a digital nomad. Whether you're a freelancer, remote worker, or have passive income, it's all about finding the right fit for your journey.
In fact, to be honest with you, I’ve started my digital nomad venture with European countries with low standards of living, only to ensure my income is safe enough, even if I took days off work. Like I said, stability is one of the first things to consider in order to avoid stress later on.
Now, in terms of jobs, a simple look over freelancing job websites will give you a good idea about what to expect or what employers are after.
Now, my best advice is to work for someone else, rather than yourself. Starting a business in any of these fields takes time and knowledge. There are dozens of thousands of other businesses doing it. It may take years to succeed if you’re good enough at it.
If you’re desperate to start your digital nomad experience, go work for someone else. Find a serious company that can offer stability. Work with another freelancer if you want, but make sure you have ongoing projects for stability.
Canggu, Ubud and Uluwatu are among the best places for a foreigner, especially since they’re safe as well. Furthermore, the Internet speed is relatively good and even better than in some European countries.
You'll need less than $2,000 a month, and you'll get 30 days on arrival, while a digital nomad visa gives you another 60 days.
Bangkok is chaotic, but it works for some. Chiang Mai is more peaceful and don’t get me started on the Thai isles in the south.
You can live in Thailand for less than $1,600 a month. Most foreigners get 30 days on arrival; easy to expand, though.
You can easily live with less than $1,000 a month in Vietnam. Most nationalities will find it easy to get a 30 day visa, which can be extended later.
You'll need less than $1,500 a month to live in Georgia, but you'll also get a 365 day visa. It's close to other popular hubs for expats, too, such as Armenia.
There’s a big expat community of digital nomads in Tallinn, while the digital nomad visa gives you up to five years.
The food is delicious, and there are countless museums and astonishing nightlife.
If you love sunbathing, the Pirates in the Caribbean are the way to go. You'll need anywhere between $1,500 and $3,000 a month, while most countries will give you a 90 day visa. Some countries also offer digital nomad visas.
You can get a digital nomad visa for up to a year, but it can be extended later.
Medellin, Bogota, Cali, and Cartagena offer some amazing amenities, great landscapes, and a nice expat community.
The list can probably go further. Some other destinations I’ve read about or even visited on my travels include:
Assuming you already have some countries in mind, let’s get to the practical part of this guide.
Personally, I picked a country with a lower cost of life. I played it simple. For instance, I moved to Ukraine in 2012. They’re still not in the EU, so everything was four or five times cheaper than everywhere else.
Believe it or not, you could buy a small Lada for just $30 a month straight from the dealership. I could still see Volga vehicles on the roads, dating back to the 1970s. It felt like I traveled back in time. Making about $1,000 a month back then, I felt rich.
Rent was around $250 a month back then in a condo at the top of a building. Most of my neighbors were doctors or police officers.
I’m not saying you should pick a country like this, but you get the point. It was also a safe bet, considering the money I was making back then.
But anyway, to pick a country, you need to think of the following aspects:
Research isn't all about reading some online articles. Many of them could have been written by people who had never been there before. Sure, it helps giving you an idea about this and that, but what I did was join every Facebook group for expats in the countries I've been in.
I’ve spent months, sometimes more than a year doing research. Prices, problems, areas with a high crime rate, opening a bank account as a foreigner, recommendations, you name it.
If it’s a country you haven’t been to before, it pays off choosing a relatively large city, not necessarily the capital. You’d rather be in a civilized place than a remote village where most people have never seen a foreigner. It’s all about health and safety.
Unless you travel to a civilized place, my best recommendation is to go there for a few weeks, maybe up to a month. Take a long holiday and explore the area. It's not all about touristy places; there are a few museums here and there and some local beaches.
When you go out for breakfast and a coffee, pick a local cafe where locals gather, rather than a fancy one downtown. Pick the type of cafe where you see mailmen and people early in the morning, before going to work. Walk around, explore neighborhoods and see how people live in order to get a better idea.
Once you decide, check the visa requirements, if any. If you're planning to be there for a month or so, you may not need one. Many visas will give you at least a year, so that would be enough if you plan to travel around like I did.
To play it safe, check the local embassy of the respective country. Get in touch over the phone, check their website, and maybe even go there in person. Online articles are often outdated.
My best advice is to check local prices and figure out what it would take to live there for a month. That includes accommodation, bills and food, just the bare minimum. Personally, I prefer to have at least six months worth of money before I go somewhere.
I've never had any issues, and I've always made more than I needed to as a digital nomad, but it's still a safe place. Maybe I was just lucky. Maybe you have a medical emergency, who knows. Better to be safe than sorry.
I suggest having a bit of cash, but not too much. Also, split your money over two different bank accounts. Take those cards with you, even if there are conversion fees. Ignore them for now.
Meanwhile, you should also open and verify at least two accounts with online payment platforms. If you do get a bank account in your new country, you can transfer money very easily this way. It’s probably cheaper than using a card everywhere you go.
Got crypto? No problem, some exchanges now release cards that you can use just like classic cards. You can shop online, pay in local stores, and even withdraw money.
You may choose to open a bank account in the new country, but it depends on the environment.
When I moved to the UK, I made appointments for a new bank account with every bank. In most countries, you can just walk in and make an account without too much paperwork. In the UK, you need an appointment and proof of address.
I asked my landlord for a piece of paper stating that I lived there. It didn’t work. I had to use that piece of paper to sign up for NINO (some sort of social security number in the UK). The paper I got from NINO was accepted by a few banks, so that’s how I started. It took me a month to figure it out.
It was doable, but it was still an expense I didn’t need. Not too many options though.
Today, I’ve started using crypto, but there are a few things to pay attention to. For example, depending on where you go, crypto could be banned. China is one of the best examples I can think of. However, it can be used in most places.
Crypto debit cards work just like normal cards, only they convert your crypto into the currency you need when you make a payment or withdraw cash. Quite convenient! You might say it’s the same with classic banks… Not really. Their conversion fees are too high and conversion rates are horrible.
I currently use two crypto cards:
Crypto.com
Binance
In the past, I’ve used Bybit and Coinbase too, but I found Crypto.com and Binance to offer better deals.
The first time I used a crypto card, I tested it withdrawing cash from a machine in Romania. No problem at all. Checked my balance straight away to see the conversion, ideal!
Some of my friends use BitPay and Wirex too, but I think Crypto.com and Binance support more coins and have better fees.
I believe it’s entirely up to you. Just research your options and figure which one works better where you want to live.
Now, here’s a common misconception. Most people think they’d have to ask upfront if a certain store accepts crypto payments. Don’t bother, it doesn’t work this way. Cashiers will say no, mainly because they don’t understand how it works.
Use your crypto card like any other card, just like you would used a British card in Spain. Some cards are released in partnership with Visa or MasterCard, meaning you can shop in millions of places all over the world.
You’ll be able to avoid exchange rates, most of them provide cashback too, fees are extremely low and most of them won’t charge monthly or annual maintenance fees. Security is solid as well. In fact, I believe crypto cards are more secure than standard debit or credit cards.
For example, no matter where I end up, I make sure I find some hotels close to the arrival point, be it an airport or a train station. I write a few names down, addresses, locations, prices, you name it. You can even book online for a few days or a week if you feel like it.
Obviously, a hotel will cost more than renting a house or a flat. You can grab local newspapers or check local websites for accommodation. Stick to agencies, even if they charge a commission. They’re better than dealing with someone in person, with no paperwork. It’s just so unsafe.
When they see you’re a foreigner, they’ll give you their best and most expensive properties. In some countries, this could cost a lot. In other countries, it was still cheap. Like I said, I lived in a fancy condo in Ukraine for just $250 a month. Meanwhile, rent in newspapers was around $80 a month for small flats.
On the other hand, when I went to the UK, I called a few agencies and even house share landlords. Sure, it’s a fee you’ll pay for calling abroad, but it’s better to have a few options. For this particular case, I loaded some money into Skype and used it to make calls.
If you’re only staying for a month, a holiday let may do. But if you plan to stay for longer, like I did, renting is better.
Internet is critical when you find accommodation. Ask about it. Many places already have it, it’s one of your monthly bills. Other places don’t.
I’ve only had issues in Moldavia and Ukraine. In Ukraine, I asked one of my neighbors about an Internet provider and he said Sergey can help me out. He gave me his number, I called him and we set up a meeting.
He and his wife Natasha came to where I lived, took a look around and said they can get me fast Internet for $10 a month. Cheap! The next day, he came with some cables, chucked them off the window, hooked them on a post outside, connected to some local network and bang, I had Internet.
I'm pretty sure it was some illegal way to do it, but it was fast, and it worked well, so I didn't complain. Every month, he came over to collect the $10.
Another important thing for me was finding an exchange office. In Ukraine or Romania, they use their own currency, rather than the euro. Therefore, I had to use local money when going to the supermarket or using a taxi.
If you’re still in expat groups around social media, you can hang out and make new friends. I’ve had the opportunity to meet some amazing digital nomads this way, but I’ve also ended up in places with no expat communities.
I also like to know a few things, so I always came with a dictionary and learned 10 words a day. These days, you can find mobile apps that aim to teach you the basics of a new language.
If you’re easy and outgoing, you’ll meet new people everywhere.
Back in 2014, I lived in Bulgaria for almost a year. A small city close to the border with Romania. The landlord had some relatives in Romania, so he kept chatting with me about them. One day, he came over with the water bill, but one of his cousins came over as well.
Me and his cousin became best buddies that day; he took me out and showed me around. He was quite popular in the city, so he told everyone I was his cousin.
It sounds hard to believe, but there were bars where I went for coffee, and no one charged me anything, saying that Georgi's cousin doesn't have to pay.
As a foreigner, you might be quite exotic unless you go to a place that's full of expats. It's a good thing, but you could also be seen as a potential victim, so be careful.
I had a similar experience in Serbia, but nothing like it in Spain or Indonesia, where people are used to tourists. In fact, such places have such big expat communities that you’ll often end up hanging around with foreigners only.
Luckily, I’ve had a bit of everything. I’ve been the exotic foreigner in some places, but I’ve also been the average expat in other places.
No matter what the situation is like, use common sense.
Even today, digital nomadism is still a new thing. This means there's no such thing as a general set of laws for international nomads. You'll have to adapt.
Different countries have different laws. Some tax more. Others tax less. Some tax local businesses only. Others don’t tax businesses making money abroad. That’s why you need to do your homework upfront.
My best advice is to contact a local tax expert. It costs a fee to get your papers done, but at least you won’t have to worry about it.
To be perfectly honest with you, my first years as a digital nomad were a bit off the grid. I worked as a freelancer and got paid through PayPal and Moneybookers. I withdrew the money on my card, and that was it. I never bothered to declare anything, and I had no issues at all.
Don't get me wrong; it's not what I recommend these days when laws are strict, and people are being checked. But more than a decade ago, no one bothered about my $1,000 a month.
There are a dozen countries out there taxing their citizens around 50%, hence the necessity to do your homework.
Now, digital nomadism has become a trend. Every country likes young professionals over, so I believe things are going to become more and more attractive. Governments go in this direction in order to attract business and an educated workforce. They offer benefits, hoping you’ll settle there eventually.
If you work for a big company, you may still have to pay tax where it's registered. But if you're a freelancer, you could live in Panama, source your income in Europe, and pay no tax for it. A few other examples include Costa Rica, Malaysia, and Hong Kong.
Bottom line, keep in mind that no matter what you do in terms of tax, it's cheaper to hire a tax expert or an accountant than to deal with tax evasion and fines later on.
Savings are just as important in the process.
I can’t think of much else at the moment, but I’ve heard other digital nomads complaining about hard work (just keep working daily), difficulties in meeting deadlines (you need to be organized), blending work and life (not an issue when it feels like you’re on holiday) and time zone problems (give it a few days).
You can also forget about paid holidays and sick days, you won’t get those when you’re a digital nomad. The feeling of loneliness does hit you at times. Besides, you’ll need to embrace minimalism. When you travel a lot, you should be able to pack everything you own in a suitcase.
If you travel to a cold country, do the same, but opt for thick stuff. For instance, I traveled to Ukraine in January, I find it hard to describe how cold it was. I felt like my forehead was freezing, I couldn’t feel it. No shorts, no T-shirts, but sweaters and trousers.
Obviously, you’ll need your laptop, a charger and make sure you get an adapter as well, check the plug design in the country you’re going to. For instance, if you’re going from the UK to Romania, you’ll need an adapter.
I arrived there on a sunny day of October, so I looked like an idiot carrying a big solid umbrella with me. Everyone I talked to asked me if I’m expecting rain. Besides, it rains so much in the UK that most locals don’t even bother with umbrellas. People wear waterproof jackets and call it a day.
What I’m trying to say is that no matter what you think of a country, don’t buy it all at home. They have it there as well. Get the basics, some clothes and your tools to make money, that’s it.
Once you settle in and find rent, you can spend a day finding some local shops or malls to fill your wardrobe up.
Keep in mind that you don’t know a lot of people there. You may not know anyone at all. This means you won’t go out for dinner every night. It’s just dull doing it by yourself, so don’t waste money on things you won’t need.
Like I said before, being a digital nomad is about simplicity. You have to embrace it. I had hobbies before that, too, but you don't want to become a hoarder. Here are some of the things I sold to avoid carrying them with me for no actual reason:
You can buy a toaster or a sandwich maker anywhere in the world. You can find clothes anywhere. Besides, you’d rather blend in and follow local fashion trends than look like a weirdo.
On a different note, use common sense in a foreign country because you're not familiar with it. Be cautious, walk on the main streets only and so on. If you somehow get robbed, having minimal baggage won't be such a big mess.
Also, always keep your passport and wallet in your pocket. If you can, have clothes with zipped pockets.
Get tickets early because you’ll save some money there. Once you get the tickets and get rid of things you love but you don’t need (such as hobbies or passions), you’ll feel more motivated to go.
Don't get me wrong, you'll still have second thoughts. You'll have second thoughts until the moment you cross the borders. It's all about convincing yourself that you can do it. It's about leaving your comfort zone. It will make you grow, and you'll get some amazing stories to tell your loved ones.
You can usually purchase international health insurance policies from the country you’re in.
The way I saw it was pretty simple. I made more money than the average person in the countries I visited, so I thought I could afford private healthcare anyway. I'm usually a healthy person, and I started this venture in my mid-20s, so I had no issues at all.
My point is you need to check all these requirements and make sure you have everything you need before you leave home.
In the end…
The digital nomad lifestyle is easier than it seems. You just need to move. Do your research, save some money, and go. No one knows where to start, but it’s all about the actual move. That’s how you start.
You might get cold feet in the airport or as you step into the train, don’t worry about it, you’ll get over it. You’ll feel like being on holiday all the time, not to mention some amazing stories to share with your loved ones.
Sure, you've heard about the perks like freedom and independence, but do you really know about the hurdles you might face along the way? Maybe you've read tons of articles and even watched stories on TV, thinking you have a good grasp of what being a digital nomad entails.
But here's the thing: most of these guides and stories come from people who have already walked the path.
They often skim over the nitty-gritty details that are crucial for someone starting from scratch. That's where this guide steps in, offering you a unique blend of insights and practical advice that go beyond the usual tales.
This isn't just any random guide—it's a comprehensive blueprint designed to help you decide if this adventurous path suits you or not. It’s packed with everything you need to be ready for the thrilling adventures and the occasional bumps along the way.
And before I dig in deeper, let me give you a brief insight into where I’ve experienced it.
- Romania in 2010
- Moldavia in 2011
- Ukraine in 2012
- Bulgaria in 2014
- Serbia in 2017
- UK in 2018
- Spain in 2020
- Indonesia, 2021
All in all, for each of these ventures, I've spent between six months and two years in a place, based on how I found it. I've applied the same principles to start a new life over and over again, and it worked. Now, I'm excited to share how you can do it, too.
Who Can Be a Digital Nomad?
Ever dreamed of traveling the world without financial worries? Well, that dream starts with finding the right job. Digital nomads are individuals who can work remotely, mainly online, and that's the key to making this lifestyle work. The essentials to focus on are simple: a stable internet connection, a laptop, and reliable electricity.
Freelancers are often the pioneers in the digital nomad world. When I first moved to Romania, I was freelancing—mostly writing and doing small programming gigs. Back then, freelancing wasn’t as mainstream as it is now, but it was a start. The market was diverse, and finding projects on various platforms was easier.
I tried my hand at blogging too, but it didn't pay the bills like freelancing did. Nowadays, there's an abundance of websites where you can connect with clients who need work done. Many companies worldwide outsource tasks, offering plenty of opportunities.
When you're living abroad, alone, stability is crucial. You don't want to run out of money in a foreign land. That's why I prefer working consistently with the same clients, ensuring a steady flow of projects.
Remote work really took off during the pandemic. Many traditional office workers realized they could do their jobs from anywhere. This shift created a new wave of digital nomads, although some have been called back to the office. Meanwhile, some companies noticed savings in real estate and operational costs by having remote teams.
While companies might not hire globally on a whim, remote work has opened up new possibilities. Applicants still go through the usual hiring process, but the difference is they can now work from wherever they choose.
Lastly, having a passive income stream could also allow for a nomadic lifestyle, though starting out this way can be risky. It's important to have a stable financial foundation before relying on investments alone.
Currently, these are the main paths to becoming a digital nomad. Whether you're a freelancer, remote worker, or have passive income, it's all about finding the right fit for your journey.
What Technical Skills You Need to Become a Digital Nomad
- Writing. I know there's AI these days, but that makes good writers even more in-demand. Start a blog first, sharpen your skills, and gain some insights. With time, you’ll become a professional copywriter, gaining access to numerous jobs.
- Blogging. This isn't necessarily about the writing part but about the fact that you can turn a simple blog into a comprehensive website with platforms like WordPress. It's not all about drag and drop, but if you know languages like HTML, PHP, or CSS, you can easily find work online.
- SEO. It’s hard to start your own SEO brand, but there are many companies out there looking for people with experience. SEO is an amalgam of techniques and requires an independent approach. My best advice is to try it out yourself on a personal website to fully understand it.
- Photo and video editing. While every 16-year-old can edit some photos, a professional presentation is about producing excellent content. Basic knowledge on how to set up multimedia content is imperative. And editing videos is much better than editing photos these days.
- Spreadsheet. This is about OpenOffice, Excel, Google Sheets, and many other alternatives. While it looks like anyone can type a few things in a column, the truth is professionals use spreadsheets to set up a workflow process. Spreadsheets work hand in hand with project management.
In fact, to be honest with you, I’ve started my digital nomad venture with European countries with low standards of living, only to ensure my income is safe enough, even if I took days off work. Like I said, stability is one of the first things to consider in order to avoid stress later on.
Now, in terms of jobs, a simple look over freelancing job websites will give you a good idea about what to expect or what employers are after.
Most Popular Jobs for Digital Nomads
Freelancing is the easier way to do it in my opinion, but you can also find jobs for big companies who may hire you without an interview in person. I’ll give you a few examples I’ve seen of people I’ve met in my digital nomad experience.- Developers. You can develop websites, mobile applications, websites, codes, you name it. You need a computer and an Internet connection. There are lots of websites offering such jobs. Besides, developers are very well paid.
- Copywriters. If you love writing, go for it. There are many opportunities here, but it takes time to gain experience and sharpen your own writing style. You require a good vocabulary and, of course, perfect grammar.
- Teachers. One of my best friends is teaching English in China. Another friend of mine offers online tutoring in the UK. It could be math, computing, whatever. Find something you’re good at and try to become perfect at it.
- Digital marketers. I think the market is a bit saturated, but it’s an exciting opportunity because it involves a mix of different skills, from SEO and affiliate marketing to content writing and social media.
- Social media specialists. Again, anyone can post something on Twitter and Instagram, but this is also a job that involves good customer service. However, small companies don’t care, while big companies already have some good teams.
Now, my best advice is to work for someone else, rather than yourself. Starting a business in any of these fields takes time and knowledge. There are dozens of thousands of other businesses doing it. It may take years to succeed if you’re good enough at it.
If you’re desperate to start your digital nomad experience, go work for someone else. Find a serious company that can offer stability. Work with another freelancer if you want, but make sure you have ongoing projects for stability.
Top 10 Countries for Digital Nomads
Things have changed a bit over the past decade, but here are some of the best countries to try out your digital nomad skills today. Keep in mind that in the end, it has to be a place you may like. If you love sunbathing in 40 degrees, you’re not going to choose Iceland.Indonesia
Canggu, Ubud and Uluwatu are among the best places for a foreigner, especially since they’re safe as well. Furthermore, the Internet speed is relatively good and even better than in some European countries.
You'll need less than $2,000 a month, and you'll get 30 days on arrival, while a digital nomad visa gives you another 60 days.
Thailand
Bangkok is chaotic, but it works for some. Chiang Mai is more peaceful and don’t get me started on the Thai isles in the south.
You can live in Thailand for less than $1,600 a month. Most foreigners get 30 days on arrival; easy to expand, though.
Vietnam
You can easily live with less than $1,000 a month in Vietnam. Most nationalities will find it easy to get a 30 day visa, which can be extended later.
Georgia
You'll need less than $1,500 a month to live in Georgia, but you'll also get a 365 day visa. It's close to other popular hubs for expats, too, such as Armenia.
Estonia
There’s a big expat community of digital nomads in Tallinn, while the digital nomad visa gives you up to five years.
Croatia
The food is delicious, and there are countless museums and astonishing nightlife.
The Caribbean
If you love sunbathing, the Pirates in the Caribbean are the way to go. You'll need anywhere between $1,500 and $3,000 a month, while most countries will give you a 90 day visa. Some countries also offer digital nomad visas.
Costa Rica
Portugal
You can get a digital nomad visa for up to a year, but it can be extended later.
Colombia
Medellin, Bogota, Cali, and Cartagena offer some amazing amenities, great landscapes, and a nice expat community.
The list can probably go further. Some other destinations I’ve read about or even visited on my travels include:
Assuming you already have some countries in mind, let’s get to the practical part of this guide.
How to Pick the Perfect Country as a Digital Nomad
Personally, I picked a country with a lower cost of life. I played it simple. For instance, I moved to Ukraine in 2012. They’re still not in the EU, so everything was four or five times cheaper than everywhere else.
Believe it or not, you could buy a small Lada for just $30 a month straight from the dealership. I could still see Volga vehicles on the roads, dating back to the 1970s. It felt like I traveled back in time. Making about $1,000 a month back then, I felt rich.
Rent was around $250 a month back then in a condo at the top of a building. Most of my neighbors were doctors or police officers.
I’m not saying you should pick a country like this, but you get the point. It was also a safe bet, considering the money I was making back then.
But anyway, to pick a country, you need to think of the following aspects:
- Cost of living. It has to be relatively low compared to your income. It’s a safe bet. If you live in the UK, for example, you could do with Eastern European countries or maybe Asian or South American countries.
- Visa requirements. Double check entry and stay requirements in a country. If you’re in the EU, any country in the EU will allow you to settle forever. Some countries give you 30 days, others give you a year. Check what it takes to get a long term residence status too.
- Weather. Unless you hate heat, chances are you’ll pick a country with good weather. But keep in mind that even countries with hot summers (such as Croatia or Estonia) can get below freezing temperatures in the wintertime.
- Health and safety. No matter where you go, pick a safe place. Even if you go to a relatively safe country, you can still end up in unsafe areas if you don’t do your homework upfront.
First Steps: Research
Let’s get to the real thing now. Research.Research isn't all about reading some online articles. Many of them could have been written by people who had never been there before. Sure, it helps giving you an idea about this and that, but what I did was join every Facebook group for expats in the countries I've been in.
I’ve spent months, sometimes more than a year doing research. Prices, problems, areas with a high crime rate, opening a bank account as a foreigner, recommendations, you name it.
If it’s a country you haven’t been to before, it pays off choosing a relatively large city, not necessarily the capital. You’d rather be in a civilized place than a remote village where most people have never seen a foreigner. It’s all about health and safety.
Unless you travel to a civilized place, my best recommendation is to go there for a few weeks, maybe up to a month. Take a long holiday and explore the area. It's not all about touristy places; there are a few museums here and there and some local beaches.
When you go out for breakfast and a coffee, pick a local cafe where locals gather, rather than a fancy one downtown. Pick the type of cafe where you see mailmen and people early in the morning, before going to work. Walk around, explore neighborhoods and see how people live in order to get a better idea.
Once you decide, check the visa requirements, if any. If you're planning to be there for a month or so, you may not need one. Many visas will give you at least a year, so that would be enough if you plan to travel around like I did.
To play it safe, check the local embassy of the respective country. Get in touch over the phone, check their website, and maybe even go there in person. Online articles are often outdated.
Money Concerns: Banking
This is the biggest concern for a digital nomad. The last thing you want is to be left with $150 in your bank account in a foreign country.My best advice is to check local prices and figure out what it would take to live there for a month. That includes accommodation, bills and food, just the bare minimum. Personally, I prefer to have at least six months worth of money before I go somewhere.
I've never had any issues, and I've always made more than I needed to as a digital nomad, but it's still a safe place. Maybe I was just lucky. Maybe you have a medical emergency, who knows. Better to be safe than sorry.
I suggest having a bit of cash, but not too much. Also, split your money over two different bank accounts. Take those cards with you, even if there are conversion fees. Ignore them for now.
Meanwhile, you should also open and verify at least two accounts with online payment platforms. If you do get a bank account in your new country, you can transfer money very easily this way. It’s probably cheaper than using a card everywhere you go.
Got crypto? No problem, some exchanges now release cards that you can use just like classic cards. You can shop online, pay in local stores, and even withdraw money.
You may choose to open a bank account in the new country, but it depends on the environment.
When I moved to the UK, I made appointments for a new bank account with every bank. In most countries, you can just walk in and make an account without too much paperwork. In the UK, you need an appointment and proof of address.
I asked my landlord for a piece of paper stating that I lived there. It didn’t work. I had to use that piece of paper to sign up for NINO (some sort of social security number in the UK). The paper I got from NINO was accepted by a few banks, so that’s how I started. It took me a month to figure it out.
If You’re into Crypto
Crypto wasn’t really a thing when I started this lifestyle, but it certainly is today. Back then, I had to suffer from all the fees associated with withdrawing cash in a different currency, transfers that took a week at bad conversion rates, you name it.It was doable, but it was still an expense I didn’t need. Not too many options though.
Today, I’ve started using crypto, but there are a few things to pay attention to. For example, depending on where you go, crypto could be banned. China is one of the best examples I can think of. However, it can be used in most places.
Crypto debit cards work just like normal cards, only they convert your crypto into the currency you need when you make a payment or withdraw cash. Quite convenient! You might say it’s the same with classic banks… Not really. Their conversion fees are too high and conversion rates are horrible.
I currently use two crypto cards:
Crypto.com
Binance
In the past, I’ve used Bybit and Coinbase too, but I found Crypto.com and Binance to offer better deals.
The first time I used a crypto card, I tested it withdrawing cash from a machine in Romania. No problem at all. Checked my balance straight away to see the conversion, ideal!
Some of my friends use BitPay and Wirex too, but I think Crypto.com and Binance support more coins and have better fees.
I believe it’s entirely up to you. Just research your options and figure which one works better where you want to live.
Now, here’s a common misconception. Most people think they’d have to ask upfront if a certain store accepts crypto payments. Don’t bother, it doesn’t work this way. Cashiers will say no, mainly because they don’t understand how it works.
Use your crypto card like any other card, just like you would used a British card in Spain. Some cards are released in partnership with Visa or MasterCard, meaning you can shop in millions of places all over the world.
You’ll be able to avoid exchange rates, most of them provide cashback too, fees are extremely low and most of them won’t charge monthly or annual maintenance fees. Security is solid as well. In fact, I believe crypto cards are more secure than standard debit or credit cards.
Moving on: Finding Accommodation
I’ve dealt with accommodation in different ways, depending on the country I’ve been in.For example, no matter where I end up, I make sure I find some hotels close to the arrival point, be it an airport or a train station. I write a few names down, addresses, locations, prices, you name it. You can even book online for a few days or a week if you feel like it.
Obviously, a hotel will cost more than renting a house or a flat. You can grab local newspapers or check local websites for accommodation. Stick to agencies, even if they charge a commission. They’re better than dealing with someone in person, with no paperwork. It’s just so unsafe.
When they see you’re a foreigner, they’ll give you their best and most expensive properties. In some countries, this could cost a lot. In other countries, it was still cheap. Like I said, I lived in a fancy condo in Ukraine for just $250 a month. Meanwhile, rent in newspapers was around $80 a month for small flats.
On the other hand, when I went to the UK, I called a few agencies and even house share landlords. Sure, it’s a fee you’ll pay for calling abroad, but it’s better to have a few options. For this particular case, I loaded some money into Skype and used it to make calls.
If you’re only staying for a month, a holiday let may do. But if you plan to stay for longer, like I did, renting is better.
Internet is critical when you find accommodation. Ask about it. Many places already have it, it’s one of your monthly bills. Other places don’t.
I’ve only had issues in Moldavia and Ukraine. In Ukraine, I asked one of my neighbors about an Internet provider and he said Sergey can help me out. He gave me his number, I called him and we set up a meeting.
He and his wife Natasha came to where I lived, took a look around and said they can get me fast Internet for $10 a month. Cheap! The next day, he came with some cables, chucked them off the window, hooked them on a post outside, connected to some local network and bang, I had Internet.
I'm pretty sure it was some illegal way to do it, but it was fast, and it worked well, so I didn't complain. Every month, he came over to collect the $10.
Adapting to a New Lifestyle
One of the first things I’ve done in every country was get a local SIM card. You’ll need it to make calls, whether you’re calling for a bank appointment or perhaps some real estate agencies to find rent. Get a SIM card from the nearest shop, set a bundle on it and you’re good to go.Another important thing for me was finding an exchange office. In Ukraine or Romania, they use their own currency, rather than the euro. Therefore, I had to use local money when going to the supermarket or using a taxi.
If you’re still in expat groups around social media, you can hang out and make new friends. I’ve had the opportunity to meet some amazing digital nomads this way, but I’ve also ended up in places with no expat communities.
I also like to know a few things, so I always came with a dictionary and learned 10 words a day. These days, you can find mobile apps that aim to teach you the basics of a new language.
If you’re easy and outgoing, you’ll meet new people everywhere.
Back in 2014, I lived in Bulgaria for almost a year. A small city close to the border with Romania. The landlord had some relatives in Romania, so he kept chatting with me about them. One day, he came over with the water bill, but one of his cousins came over as well.
Me and his cousin became best buddies that day; he took me out and showed me around. He was quite popular in the city, so he told everyone I was his cousin.
It sounds hard to believe, but there were bars where I went for coffee, and no one charged me anything, saying that Georgi's cousin doesn't have to pay.
As a foreigner, you might be quite exotic unless you go to a place that's full of expats. It's a good thing, but you could also be seen as a potential victim, so be careful.
I had a similar experience in Serbia, but nothing like it in Spain or Indonesia, where people are used to tourists. In fact, such places have such big expat communities that you’ll often end up hanging around with foreigners only.
Luckily, I’ve had a bit of everything. I’ve been the exotic foreigner in some places, but I’ve also been the average expat in other places.
No matter what the situation is like, use common sense.
Tax Considerations for Digital Nomads
I was a digital nomad before, and it was cool. I don't think this term even existed back then. My only plan is to live in a different country, hear a different language around me, and have more money than the average citizen. I worked online, so the cheaper the country, the better I did. Simple.Even today, digital nomadism is still a new thing. This means there's no such thing as a general set of laws for international nomads. You'll have to adapt.
Tax Residency Is Still Important
There’s no such thing as being a world resident. Authorities and governments still don’t have any international laws for such people. While you do travel a lot, you need some sort of tax residency. For most countries, you’ll have to spend at least six months in there.Different countries have different laws. Some tax more. Others tax less. Some tax local businesses only. Others don’t tax businesses making money abroad. That’s why you need to do your homework upfront.
My best advice is to contact a local tax expert. It costs a fee to get your papers done, but at least you won’t have to worry about it.
To be perfectly honest with you, my first years as a digital nomad were a bit off the grid. I worked as a freelancer and got paid through PayPal and Moneybookers. I withdrew the money on my card, and that was it. I never bothered to declare anything, and I had no issues at all.
Don't get me wrong; it's not what I recommend these days when laws are strict, and people are being checked. But more than a decade ago, no one bothered about my $1,000 a month.
Taxes Could Affect the Ideal Destination
Even if a country looks perfect from many points of view, the taxing system could make it a horrible choice. For example, places like the Cayman Islands or Bahrain have little to no taxes. On the other hand, Denmark and Austria are known for some of the highest taxes in Europe.There are a dozen countries out there taxing their citizens around 50%, hence the necessity to do your homework.
Now, digital nomadism has become a trend. Every country likes young professionals over, so I believe things are going to become more and more attractive. Governments go in this direction in order to attract business and an educated workforce. They offer benefits, hoping you’ll settle there eventually.
The Expatriation Tax
Most countries tax residents and not citizens. Some countries tax citizens. Well, there are only two countries here, Eritrea and the USA. The USA has some agreements with other countries to avoid these problems though. However, you’ll struggle a bit trying to pay tax in one country only.
The Territorial Tax
The territorial tax is what you should aim for. Such a tax means you’ll have to pay tax on the income you make within that country. If your income comes from abroad, you’re alright.If you work for a big company, you may still have to pay tax where it's registered. But if you're a freelancer, you could live in Panama, source your income in Europe, and pay no tax for it. A few other examples include Costa Rica, Malaysia, and Hong Kong.
Bottom line, keep in mind that no matter what you do in terms of tax, it's cheaper to hire a tax expert or an accountant than to deal with tax evasion and fines later on.
Challenges & Solutions for Digital Nomads
A New Lifestyle
I’m easy going, so unless you drop me in the middle of a desert, I should have no problems getting used to it. To others, it could be tricky being alone at times. You can’t understand the language either. Just keep connections with your previous world alive, it will definitely help.Income Uncertainty
I’ve always worked with teams of freelancers providing projects round the clock. This is a big issue for those who like to travel, so that’s why I recommend working as a “full time” employee, but being a freelancer. It’s just safer and more stable.Savings are just as important in the process.
I can’t think of much else at the moment, but I’ve heard other digital nomads complaining about hard work (just keep working daily), difficulties in meeting deadlines (you need to be organized), blending work and life (not an issue when it feels like you’re on holiday) and time zone problems (give it a few days).
You can also forget about paid holidays and sick days, you won’t get those when you’re a digital nomad. The feeling of loneliness does hit you at times. Besides, you’ll need to embrace minimalism. When you travel a lot, you should be able to pack everything you own in a suitcase.
Practical steps
So, you've decided you want to do it. You love the idea of traveling, exploring new countries or cultures, making money on the go, hearing people talk a different language around you, and so on. Let's start with the basics, then.What You Need to Bring
Personally, I can pack everything in a backpack. Don’t bother filling two suitcases at home because it won’t work. One suitcase or a big backpack will do. I usually pack a few essentials to keep things simple. For indoors, I bring some shorts and T-shirts. For outdoors, I have trousers and shirts. I also make sure to include socks and underwear. And of course, I always wear a jacket while on the move.If you travel to a cold country, do the same, but opt for thick stuff. For instance, I traveled to Ukraine in January, I find it hard to describe how cold it was. I felt like my forehead was freezing, I couldn’t feel it. No shorts, no T-shirts, but sweaters and trousers.
Obviously, you’ll need your laptop, a charger and make sure you get an adapter as well, check the plug design in the country you’re going to. For instance, if you’re going from the UK to Romania, you’ll need an adapter.
Avoid Misconceptions
When I first got to the UK, I was a victim of misconceptions. All those movies you see on TV, it looks like it’s always raining in the UK. It is, but there are a few sunny days every now and then too. I thought I’ll be clever and purchase a solid umbrella to help out.I arrived there on a sunny day of October, so I looked like an idiot carrying a big solid umbrella with me. Everyone I talked to asked me if I’m expecting rain. Besides, it rains so much in the UK that most locals don’t even bother with umbrellas. People wear waterproof jackets and call it a day.
What I’m trying to say is that no matter what you think of a country, don’t buy it all at home. They have it there as well. Get the basics, some clothes and your tools to make money, that’s it.
Once you settle in and find rent, you can spend a day finding some local shops or malls to fill your wardrobe up.
Keep in mind that you don’t know a lot of people there. You may not know anyone at all. This means you won’t go out for dinner every night. It’s just dull doing it by yourself, so don’t waste money on things you won’t need.
Sell What You Don’t Need
I've read about a Japanese technique to clear clutter one day. Apparently, you have to grab a thing, hold it, look at it, and ask yourself if you've used it in the last six months. If the answer is no, you can get rid of it.Like I said before, being a digital nomad is about simplicity. You have to embrace it. I had hobbies before that, too, but you don't want to become a hoarder. Here are some of the things I sold to avoid carrying them with me for no actual reason:
- A collection of 12 antique pocket watches in a solid wood box with velvet on the inside and a glass lid. It was a collection I gathered myself over the years. It served me no purpose, but I liked it.
- A collection of coins and banknotes from over 100 countries. I was hoping to get a glossary with a coin or banknote from every country in the world. I got rid of it. It served no purpose. Nice to look at it, but that was it.
- My car. I had a Honda Civic and I loved it. I put money in it because I love Japanese vehicles. It was modified and a popular attraction at car shows. It served me no purpose if I left the country, so I sold it.
You can buy a toaster or a sandwich maker anywhere in the world. You can find clothes anywhere. Besides, you’d rather blend in and follow local fashion trends than look like a weirdo.
On a different note, use common sense in a foreign country because you're not familiar with it. Be cautious, walk on the main streets only and so on. If you somehow get robbed, having minimal baggage won't be such a big mess.
Also, always keep your passport and wallet in your pocket. If you can, have clothes with zipped pockets.
Plan the Travel
Whether you travel by plane, bus or train, a suitcase or a big backpack will do. If you choose to go by train or air, make sure you check the dates. Once I traveled 48 hours because I didn’t check the dates. I thought it’ll only take me 24 hours, but the arrival time was two days later. Very uncomfortable!Get tickets early because you’ll save some money there. Once you get the tickets and get rid of things you love but you don’t need (such as hobbies or passions), you’ll feel more motivated to go.
Don't get me wrong, you'll still have second thoughts. You'll have second thoughts until the moment you cross the borders. It's all about convincing yourself that you can do it. It's about leaving your comfort zone. It will make you grow, and you'll get some amazing stories to tell your loved ones.
Admin Data
I didn’t bother much about it, but I think it would be a good idea. Do your homework regarding the health system. You may need a health insurance. If you need to apply for a digital nomad or a temporary visa, they may ask you for proof of health insurance.You can usually purchase international health insurance policies from the country you’re in.
The way I saw it was pretty simple. I made more money than the average person in the countries I visited, so I thought I could afford private healthcare anyway. I'm usually a healthy person, and I started this venture in my mid-20s, so I had no issues at all.
My point is you need to check all these requirements and make sure you have everything you need before you leave home.
In the end…
The digital nomad lifestyle is easier than it seems. You just need to move. Do your research, save some money, and go. No one knows where to start, but it’s all about the actual move. That’s how you start.
You might get cold feet in the airport or as you step into the train, don’t worry about it, you’ll get over it. You’ll feel like being on holiday all the time, not to mention some amazing stories to share with your loved ones.
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