Free and Impartial Money Advice. Created for Expats, by Expats.
Let's make sense of your money
Moving overseas and becoming an expat is similar to being an alien on a different planet, which is why we set up this website to help you navigate through the financial landscapes of foreign places. We're passionate about helping expats make better, more informed decisions with their money.
Debt & Borrowing
Dealing with debt isn't always easy or pleasant, but the earlier you get started the better off you'll be. It's important to identify which debts take priority and then setting aside a budget to address it.
Saving money will provide security later in life or it will help you reach your goals, such as buying a property or retiring early. It doesn't matter how much you put away, what matters is discipline and making it a habit - better yet, make it automatic, straight after payday!
The best advice for starting a pension is: starting. The earlier you start, the better off you’ll be by the time you come to retire. Starting a pension plan is even more important for an expat as most offshore companies won’t provide this for you. You may also benefit from moving your existing pension out of the UK, which we’ll cover in this section.
Whether you’re a homeowner, landlord or property developer, you are sure to need professional advice at various points along the way. At the very least you will need a solicitor or another licensed conveyancer to oversee your purchase and/or sale. A solicitor can also advise you on the legal aspects of buying, selling or letting your property. And assuming you also want to obtain the best possible deal on your mortgage, it is very useful to engage a whole-of-market mortgage broker or suitably qualified financial adviser.
Insurance is the foundation of any good financial planning, so it's important to get this base covered before you even think about anything else. There are many different types of insurance and some can get a little complicated, so here we'll try and explain all of the essentials so that you don't leave yourself exposed.
Tax is a complex area, and becomes more so if you run a business or have several sources of income. Numerous factors will affect the amount of tax you should pay each year, including your job, savings and personal circumstances. But for many of us, fear of paying too little tax (and the possibly consequences) means we often end up paying too much.