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Seniors Traveling Internationally on A Budget – Our Exciting Life Plan!

How Our Plan Took Shape for these active seniors traveling internationally on a Budget – The Itch is Real…

As active seniors traveling internationally on a budget we think we are ready for this exciting life plan! We’ve been living on a loose budget for years stateside so international travel shouldn’t be any different? You think? Yes, there are naysayers but we aim to prove them wrong!

[UPDATE as of November, 2023: Today, late in 2023, we still cannot believe we have been able to put a plan into place & follow it. We’ve been to Central & South America, Asia & now presently we are on the continent of Africa! Can you believe it? All because of our budget! Yes, you can travel year round on a budget & you do not have to feel you are being cheated on anything! Back to the article, we’ll catch up later in newer blogs. Thanks for following!]

As active seniors traveling there are a lot of things to take into consideration! We are on a set budget. I know you are probably already of hearing that word – budget but I’ll warn you now that you will hear it again & again in my posts. We need to play our cards right & do some homework before we start our grand adventure. Where do we want to start?  Do we want to travel abroad or out of country? Do we want to put roots down along the way for our new home? Where would we want to move abroad? Are we nuts? Maybe, a little. We believe that prior proper planning will prevent any unforeseeable mistakes, we hope! We know there may be road bumps along the way, however, we do anticipate that but nothing we cannot handle. We hope to share both our good & bad experiences with you along our grand adventure. Just maybe by following us you will be inspired to take the steps to become the next active seniors for international travel!

Believe me, we do not take this lightly. As we learn along the way, we will be able to pass those lessons on to you. We may find that at some point we may have to amend our plans. Again, you will learn as we go on this quest we have set out for ourselves.

Your mission, should you accept it, is to begin following us, sit back & enjoy the adventures with us. Will an interracial senior couple traveling be happy living outside of the states? Oh yeah, we truly believe so but to be totally up front we know as seniors traveling there are specific things we need to consider. Let’s see what we can find!!

American Expats Living Out of Country

It was not that big of a surprise to us that moving out of the country is not a ‘new thing’.  What did surprise us was the number of seniors who do actually move out of country. Here are some interesting tid-bits about expats.

According to the World Atlas, millions of Americans live outside of the U.S. Twenty out of every one hundred travelers becoming an expat are over sixty years young! When you think about it, the economic benefits of living outside of the U.S. can be very beneficial especially if you are living on a tight budget as most seniors do in the U.S.

The top countries for American expats to move are Mexico, Europe, Canada & then Southeast Asia. Mexico & Canada make sense as they are border countries to the U.S. with easy access. Italy, Germany, France & the U.K. are the most popular European countries for American expats. Now India & Philippines being the most popular SE Asian countries is, to me, surprising but I think that is because not everyone moves for the same reasons.

Marriage, relationships, politics, economics & work are just reasons that play into a move to a foreign land from your home country. For us, the ongoing racial issues in the states played a large part on our desire to explore our options outside of the states.

Back to our Plan for this interracial couple Traveling Internationally

Remember when you were 20 years young & you thought your parents were old because they were in their 50s? Then when you turned 40 [I did!] I thought hmmm 65 is old. Now that we are over 65, I think how silly. We both feel like we are just starting over again! Yes, we are seniors & I don’t mind saying that at all! Seniors get discounts folks! My sister-in-law Sweet Mary introduced me years ago to Dairy Queen senior discounts! LOL. I digress.

We are in good health & continue to work on keeping it that way with daily exercise, walking, biking & in general just trying to eat healthy. Like most seniors over 60 years of age, we live on a set income & just need to be sure we can financially afford to make this escape. To do this, we have to put a budget & plan into place to make it happen!

Just the fact that we are at those retirement years, traveling internationally as a mixed race senior couple, leaves a lot of things to worry about that younger travelers may not. We have to be healthy & financially able to take care of ourselves separate from our families in the U.S. We may be hopping country to country – its not like we can just call and say hey ‘can you come over to help’. You know what I’m talking about. We knew we had to be both – healthy & financially stable – to make this escape. We needed to finalize our Plan to make the big adventure happen. This was in 2017 with a five year time frame to make it happen.

Where will we travel to find our piece of Paradise as an interracial senior couple?

Of course our main concern is the acceptability of an interracial senior couple in the country we land in. This travel blog is a way to connect & to share our photos & experiences once we get on that flight for whatever foreign country we have decided to visit or possibly move. The Big Guy & I have been blessed with coming into these retirement years & not being bogged down in a whole lot of debt. Paying off credit cards is not easy but such a feeling of satisfaction once it is done! It’s just not comfortable to us to gain debt once the old debt is paid off. Make sense?

We have never been that couple who had to keep up with the neighbors with newest electronics, vehicles, latest game machines, etc. You get what I mean. Really, once we were committed to the mindset that living on a budget could make our Big Adventure of traveling [or moving] to foreign countries come true, the word budget developed a whole new meaning! We knew if we worked together we could reduce even more spending to make the goal of world travel a dream come true for us. This is now.

International travel as interracial senior couple becomes part of our life

The Big Guy was selected to work in the Middle East from 2006 to late 2011.

The Big Guy in Middle East.
The Big Guy in Afghanistan.
Children of the Middle East conflict.
Afghanistan children & soldier.

I was able to meet him once or twice a year for a vacation for me/R&R for him. We visited foreign countries that we never would have been able to except for his job. I won’t lie, the countries I met The Big Guy in were more of destination vacations.

Let’s just be honest, we decided an international destination sounded nice. Though we are not big spenders, we were able to see some sights on budget.

That was our introduction to world travel as a couple & it opened our eyes to how sheltered we were in our own little piece of the U.S. There was so much to see in other countries, culture, sights, amazing people, the list goes on and on. We wanted to see more!

Between the two of us we have visited over 25+ countries; UK, France, The Netherlands, Belgium, Australia, Thailand, Italy, Turkey, Greece, San Salvador, etc with OUR last trip being to Poland in 2015. Some of the countries visited were by way of our jobs at various times. Now that we are older, we are looking for a place that will provide a peaceful & friendly environment for seniors like us.

Then The Big Guy’s Middle East mission was completed & he returned home

Once his mission was complete, he was back home & our international meet ups were for a while at least put to rest… We didn’t sit home & not go anywhere but budget was a big factor for any travel plans. A trip to Rome in 2012 with Jordan [one of the girls] was awesome, another short trip to San Salvador later that year & finally Poland in 2015 ended our international travel or so we thought.

We would continue to chat & reminisce how much fun we had riding the elephant ‘with an attitude’ in Thailand, taking the Bosphorus Riverboat Cruise in Istanbul, walking the ruins in Greece, etc. We have such fabulous memories from every country we have visited.

I think we were asking ourselves could we live in a foreign country? Was that an unreachable dream? That’s really when I started researching the possibilities.

The Big Adventure Plan for this Interracial Senior Couple to Travel Internationally on a Budget Starts to Take Shape

The itch was there. The research showed me that I was not alone. I found numerous online stories of expats which prompted us to start watching travel shows – you know the ones showing folks moving to a foreign country to live as an expat overseas. We would look at each other & say “why can’t we do that” or  “we could live there” or “man that trip was awesome”, secretly thinking we could do that. At the end of one of these conversations late 2016, I made the statement “we keep talking about moving to another country, let’s make a plan and do it!” Well The Big Guy smiled the biggest grin & this is where it all began.

Initially, we thought we wanted to be expats living Thailand. We just fell in love with everything about Thailand… Phuket had been a dream vacation for the two of us. The culture just wrapped its arms around us & we felt like we really could belong there. So at the beginning – Thailand was our main goal.

We started looking outward to countries that neither of us had seen & that held an interest for both of us. I researched for best countries for American expats to live & found gold. F/B & YouTube were full of info. Just do a search for the country you are interested in & see what pops up in the forums.

Reality set in and we realized this might take a little more work. Wherever we moved, there would be certain criteria that we deemed necessary for us to be comfortable & it had to be on point with our budget.

Additional Things We Had to Consider to be ready for International Travel:

I love spirals and should have bought stock in the company…yep, there were a lot of things to take into consideration. Many sheets of paper have been wadded up, tossed to the trash to get a clear picture of what we needed to happen to make this Adventure come to reality – smoothly. Allow me to get you up to speed on our present day thinking or the culmination of our 2017 “five year plan”.

2017 – initial notebook contained a short “To Do” list – make sure passports are up to date, which vaccines are required for which country, etc.  Also, started scratching down names of countries that intrigued our wandering spirit. Had to take close look at finances, etc.

2018 – started researching online for other expats living in foreign countries & getting familiar with their sites. Researching visa requirements for a few of the countries we had listed previously on Bucket List. Our plan to be sure all debt was paid off at take off was a little harder. We both are on track to minimize spending.

2019 – things are looking really good! The Big Guy is thinking we could possibly get the house on market late fall or winter of this 2019 year! Yikes, that is too soon for me I tell him. I have to close my business, get rid of décor, find new connections for my realtors, etc. I’m freaking out a little – this is too fast!

In November 2019 we decide we’ll put house on market Feb or Mar of 2020. We will still be ahead of our original move of 2021 but it will give me time to do what I need to do to close my staging business by end of December, 2019. Wow, a lot of work but its done!

Have been following a couple expats/nomads living in Thailand, Portugal & Mexico that are awesome about their experiences, etc. Embassy listings are a great place for collecting information once you decide which country you want to visit &/or move.

by late 2019 we decided maybe April, 2020 would be good date to list house. House is ready. Cleaning out closets. Interviewed realtor… Then  Covid-19 hit & everything shut down as you all know.

By Late 2020  The good new was even though Covid initially slowed our plans, we were able to get house on market during the boom of December 2020.

Bucket List – Must Haves for Countries

As we checked off various aspects of our to do list, our Bucket List of countries started growing but still looks doable! It seems our idea of moving to just one specific country is now to see how many countries we can travel inexpensively. We are thinking bouncing from country to country on visitor visas is more what we really want to do. Thus, our Bucket List of the best countries for expats to live is becoming more of a list of cheap foreign countries that we can just visit, land for 3-6 months & then move on to the next on our list!

In the meantime, our Bucket List is getting tweaked. The new updated plan was to build a Bucket List of inexpensive countries to put on our “to travel” list. Once that list is done, we can tweak that list down to countries that we both agree are economically agreeable to our planned budget & entered as our official Bucket List.

1] I had wanted to revisit a different area of Greece but we didn’t agree so it is off the list. I’d been to UK, France, Holland & Belgium in my prior life and would have loved to visit again with The Big Guy but European countries just don’t appeal to him.

After much conversation, we agreed that Central & South American countries would be a great starting point for us. SE Asian countries pretty much finished off our list. A couple other countries are still in discussion phase. Ha.

2] Secondly, we made a Cheat sheet of items that would have to be considered to make our visit/move to a particular country smart. UPDATE: Oct. 2020 We go into more detail on this in our “Top 20 Issues to Research When Considering A Move Abroad” though it would be pertinent for travel abroad as well for really any age traveler.

3] Next was the 5”x7” index cards with a country name printed across the top & the list of items [#2 above] we deemed as important to research before we made any final decisions.

4] As we do our due diligence on our proposed countries we are getting down to final Bucket List!

Stay tuned and lets see how this rides out.

Our Six Weeks In Beautiful – But HOT – Windhoek, Namibia!

Six weeks was not enough time to explore beauty & the mysteries of the hot capital city Windhoek, Namibia.  Yes, my thinking has changed since the last post. We really do need to come back to visit more of this African country.

This country stands out from the other African countries we have visited with its obviously strong German influence everywhere! Language, architecture, street & city names – it really has that European feel to it in neighborhoods & shopping areas.  We loved the street names though there were many street names we could not pronounce!

Street signs in Windhoek Namibian
Street signs in Windhoek Namibian

Language Barrier?

Language barrier? Not here. I have to admit that I was worried that we would face a “language barrier” prior to our trip to the continent of Africa, but boy were we surprised! English has been the official language in each of the African countries that we have visited & the largest tribe usually gets the title of being the National language. The African countries that use English as the  official language also teach it as the primary language in school & tribal languages along with the National language is usually taught in the homes.  It is not uncommon to hear someone speaking German, Dutch, Russian or one of the hundreds of tribal languages – and smoothly change/transition to another language without thinking. Amazing to hear!!

Weather in Namibia

As foreigners from the U.S. (Texas), we are used to longggg hot summer months but…Namibia tested our heat tolerance. In Namibia there are two seasons – summer from November – April with winter from May to October. There is no getting around it, Namibia is a hot country & has one of the oldest deserts in the world (Namib Desert) & the Namib desert is said to have the highest sand dunes in the world.

Windhoek sits in a bowl of sorts surrounded by mountains, which prevents the heat from escaping & makes it one very HOT city.

Mtns surrounding Windhoek, Namibia
Mtns surrounding Windhoek, Namibia

We were told northern areas of Namibia are hotter, but if you want cooler weather you can take the four hour drive to Swakopmund & Walvis Bay, both sitting on the Atlantic Ocean. It seems these are the go to cities for Namibians during holidays & are hot tourist areas for holidays as well. These two places in particular are why we need to need to come back to Namibia, specifically Swakopmund, Namibia. This is definitely high on the list!

Desert meets Atlantic Ocean in Namibia, Africa
Desert meets Atlantic Ocean in Namibia, Africa

Water Treatment in Namibia – Toilet to Tap!

Namibia has been recycling waste water or as it is called “Toilet to Tap” since the 1960s! With the harsh sun & lack of water in the country, Windhoek, has been innovative in their search for drinking water. I know when we were first told this by some Namibians, I’m sure we had that LOOK on our faces, but they just chuckled at us. The waste goes thru I think about ten processes to become drinkable. I can’t tell you the process but if you are interested, here is a short article. For these two traveling seniors, we joined in & used the recycled water re-fill stations that were located in all the major grocery stores.

Is Windhoek, Namibia Safe?

Windhoek is a diverse city with people from Angola, South Africa, Germany, Serbia, India & other European countries that have lived here for many years, but like any capital city Windhoek has its share of crime, such as pickpockets, petty thefts & robberies. We walked in West Windhoek during the morning & afternoon hours with no problems, except for people asking for money at the Mall entrances/exits. I can’t say how safe it would be for people to roam around during the night-time as we choose not to move around after dark.

The U.S. State Departments ranks Namibia as a Level 2 Security threat, which means increased chance of petty crime, etc. We try to always be aware of our surroundings & take extra care not to draw attention to ourselves no matter what country we are in & so far it has served us well. Since we do walk a lot of places we try to be aware of our surroundings or as The Big Guy calls it our heads are on a constant swivel. We also register with STEP so that we do receive any alerts about activity that could pose a danger to our safety.

Bottom line, be careful, we did not experience any danger in Windhoek & we are thankful.

Walkability of Windhoek

We’ve had some really good walks around our neighborhood & en-route to Wernhill Mall, coffee & medical shops.  The scenery was good, but there are places that are not paved for walking.  We still enjoyed the walks & loved finding these huge rocks that were intentionally left in place, while walkways were built around a few of them.   These rocks were sitting in or embedded into bricked sidewalks. Some were as white as quartz, but I can’t swear the exact type or name other than they were a nice surprise.

Bricked sidewalks in Windhoek, Namibia
Bricked sidewalks in Windhoek, Namibia

Now the traffic here is much calmer than other countries we have been in but if you are a pedestrian you must stay focused on crossing streets. As in the other African countries we traveled, cars are driven on the left side of the roads & the steering wheel is located on the right side of the vehicles. The drivers don’t always come to a full stop at stop signs, but some are very courteous to other drivers.

Oh, Windhoek is about 5,000 feet above sea level & there are hills to navigate while walking, so we had to pace ourselves, no matter where we were walking. These street signs are a mouthful! LOL!

Namibian Currency

Each country we have been in has fabulous currency art. Namibia has its own currency, called Namibian dollars, but it also uses the South African Rand. We were told that South Africa does not use Namibian dollars. The exchange rate of the Namibian dollars offered us a better rate compared to the U.S. dollar, but whenever they would give us a price they would say dollars. Our facial expressions must have shocked some people, because they would quickly state Namibian dollars. One U.S. dollar is ranges between 18.30 to 19.02 Namibian dollars, at the time of this writing.

Namibian currency bills.
Namibian currency bills.

We did find it very interesting that it is not unusual to receive Rand (South African currency) mixed in with the Namibian bills when receiving cash here in Windhoek. Here’s the deal & it doesn’t seem fair but I guess its proving a point of sorts from South Africa to Namibia. [Namibia was once part of South Africa but won its independence back on March 21, 1990 with the help of Angola!]. It could be said South Africa was just a sore loser so although their currency is accepted in Namibia…..South Africa DOES NOT ACCEPT Namibian bills. Sounds like sour grapes don’t you think?

Medical Care in Windhoek

We had the opportunity to check out the medical healthcare in Windhoek. Let me say that the standard of professionalism, treatment & care by the staff & the doctors far exceeded our expectations.

First off, we happen to visit Windhoek in the middle of pollen/allergy season. Go figure! For probably three weeks I was sneezing with a stopped up head alternating going through boxes of tissues like crazy & then the cough when The Big Guy suggested that I better get myself to a doctor. I searched online & found Dr. Limon at the Windhoek Family Practice close to us & called. They asked me what time I wanted to come in that day!!! Within an hour I had my consult with Dr. Limon, received prescriptions & was on my way to pharmacist at Wernhil Mall. Office visit was $25 U.S.D. & prescriptions (3) costs about $50 U.S.D. Yes, I have survived the remainder of our visit here with no repercussions!

Secondly, I was complaining of having difficulty reading, because I could not see clearly out one eye. So we decided it was time for yearly vision checkups. The Big Guy started searching google map & found a place called Rita Franks Optometrist. After reading numerous positive reviews about the optometrist we decided to get an eye checkup. We made appointments for the next week & went to see Dr. Marissa Krone. She was even better in person than all the positive reviews that had been written about the office. Thanks Google for your map, reviews & pictures, because we loved her. During my eye examination she advise me that I had a cataract in my left eye (which I knew) & that she really hated to give me glasses, because of the cataract. I told her that I would have it looked at by my vision care specialist in the U.S. with the same doctor that had removed my previous cataract in my other eye. I told her I had insurance that would cover the majority of the cataract surgery if they decided it needed to be removed. I told her my sight was starting to really suffer in that eye so I didn’t mind getting glasses now. So we proceeded with new glasses.

The Big Guy was impressed with how she sat down with both of us to explain what she had seen during our vision examination. She spent time telling each of us what she had seen during our individual eye exams. The Big Guy was made aware of the cataract she had noticed during my examination & how she would try to provide glasses that would help me until I could return to the states & consult with my medical doctor about the cataract. I was listening closely as she explained to the Big Guy about the different options he had in picking contact lenses. He said he NEVER had a doctor go into so much detail with him & he really appreciated it while learning at the same time.

Eye Surgery in Windhoek, Namibia

After The Big Guy & I walked back home, we started discussing the pros/cons of having my cataract surgery done here vs waiting til we arrived back in U.S.? We talked in detail about the possibility of having to stay in the states longer, because of the process that would be required by the insurance company before I could be approved for cataract surgery. After much discussion & looking at the potential costs to us of staying stateside in a hotel or Airbnb while waiting for insurance approval, I called Dr. Krone & she gave me two doctors names, so that I could do price comparisons.

I called Windhoek Eye Centre (yes, this is the way the Europeans spell Center) & they gave me the full fee broken down over the phone (!!) so I would know exactly how much it would cost. She even told me consultation dates & surgery dates that were open – at that time – if I wanted to call back & proceed. I then called the second clinic she had referred me to but they said basically gave me a starting price & told me it goes up from there, their price was quite a bit higher than the other. Budget minded & not liking that receptionist attitude, I went with Windhoek Eye Centre.

Finally, the cost of eye surgery in Windhoek was just a little more than I the amount that I would have had to pay out of pocket in the States, but it was less because when I include the costs of what we would have paid for a place to stay in the States. I think it was an excellent decision to get the cataract removed, so worth it in how quick they were able to get me in. Can’t say enough about the clinic, Doctor or his employees. Just perfect!

Cost of Living in Windhoek

I was very happy with the cost of living in Windhoek. As we get close to end of the month (& praying for no emergencies) we will be over budget just a bit only because of the medical expenses explained above. So am I happy? First time in 25 years I don’t have to wear glasses except for up-close reading! Yes, though some things were more expensive – we found items that were a great bargain (compared to U.S. prices). I feel by being very aware of our budget we did really well! Here are the three stand outs for December budget.

Over Budget! We had eye checkups & I had a cataract removed which was not planned for – here. These two things were outside of normal budget for month but were necessary after we compared here vs. U.S. prices!

Under Budget! Renting was higher than what we would have normally paid (we stayed under budget only by a few dollars) but our accommodations were adorable & had everything we could have asked for with very helpful owners who were quick to respond to any questions.

Under Budget! We didn’t have any favorite restaurants so we decided to eat out a couple times a week & the balance of the week The Big Guy cooked. I will say the fruits & vegetable although beautiful to look at just were not that good. It felt like everything had been frozen or picked before its “time”. We ended up under budget on groceries & that was because, we did not eat out as much. The Cork & Fork across the street from Maerua Mall had good food & priced affordable!  

Final Thoughts on Windhoek, Namibia Visit  

Probably our only real disappointment was not being able to find a good pedicure in Windhoek! We went to at least four or five places…sad. They are strictly nail techs & that is fine but with The Big Guy & I walking everywhere, we are really finicky about a good pedicure.

While driving, we definitely saw the disparity in living conditions. From very nice homes with that international flavor in town to the million(s) dollar homes as in Eros to the outer metal/tin house ‘settlements’ where we were told workers live that work in town – it is quite a disparity. 

As in many African countries, Namibia is rich in natural resources but the resources are sold to outside countries & by time the dollars are distributed down thru companies & governments, the people get paid little to nothing for working long days.

I said earlier that one month was enough time for Windhoek but I don’t think I really meant it. With the severe allergies for a couple weeks & then the eye surgery, we flat ran out of time. There are still a couple things we would visit if we came back such as a trip to Swakopmund & Walvis Bay. Its a trip to get there & we planned on doing just that but than the eye surgery & glasses over rode the trip there…But…when we come back… Until then here are more photos/video of this wonderful city of Windhoek.

Holly in front of the Christuskirche Church in Windhoek, Namibia
Holly in front of the Christuskirche Church in Windhoek, Namibia. Originally called the Church of Peace built in 1910.
Tree with white blooms in front of blue Namibian sky.
Tree with white blooms in front of blue Namibian sky.

Friends took us on a drive around Windhoek the difference in areas of the town. We saw the new U.S. Embassy complex & it is HUGE. I took this night shot of it from one of several lookout points over Windhoek. We actually received an invite for the unveiling but it fell on doctor consult day for surgery so we missed out on it. I swear the Embassy can probably be seen by satellite at night the way it was lit up!

View from overlook in Windhoek, Namibia of the U.S. of America Embassy
View from overlook in Windhoek, Namibia of the U.S. of America Embassy

Next stop is Johannesburg, South Africa! We are nervous about this trip…lets see if what we heard is actually true? Let’s go!

One Month Was Enough in Lusaka, Zambia!

We spent a little over one month in Lusaka, Zambia but to be honest two weeks would have been fine. We had a great Airbnb but Lusaka just simply did not give us the warm & fuzzies. After our high from Uganda & great vibes of Nairobi, both with great ‘tropical weather’, the heat of Zambia & expansiveness of Lusaka itself took a bit to get use to! The biggest advantage that I can point out about our trip to Lusaka, Zambia was English was the official language!

Lusaka is the ‘hub’ of Zambia & covers a big area! It could take some time to get from one side to the other of the city during ‘rush’ hour. We met some great people & had a fantastic Airbnb, but one month was definitely a longer stay than we needed for our visit. Lets get started!

A Few Facts About Zambia
Like the other African countries we had visited, we learned that Zambia has over 70 tribes & each tribe speaks their own tribal language and has their own tribal traditions & cultures.

Zambia was colonized by the British & after Zambia gained their independence, English became the official language & is taught in schools. Independence from the British came in mid 1960’s. In short no language barrier at all!

As of 2023, Zambia’s population was just over 20,500,000. It is known as one of the most peaceful countries in Africa choosing to avoid conflicts with neighboring countries. This land locked country located in the Southern part of Africa shares borders with 8 other African countries.

Copper & diamonds along with cobalt, gold & emeralds are natural minerals. National Parks & Wildlife reserves, Victoria Falls adds to the country’s list of resources.

Walkability of Lusaka

Lusaka is spread out covering a huge area. While staying in our first Airbnb, we first stayed in an ‘affluent’ area called Ibex Hills which was a ways out. One day we decided to walk to the closet shopping area (3Km) Leopards Hill Mall, the temperature outside was about 25-28 degrees celcius, so walking was a bit challenging. The streets were all paved for the most part, but our walk was such a long distance there were no paved sidewalks & we walked on a dirt path along the side of the paved road. Most of this area was scattered with grass & stubby trees & very little green vegetation.

Not an uncommon sight on our walks.

Staying in the Ibex Hills area was a mistake for us, as we like to have things within a reasonable walking distance. This is a growing neighborhood of apartment complexes for those with money (as we were told). One walking trip to the closest mall & we were done. Too far out.

A lovely view for a walk in Lusaka, Zambia.

Once we moved to the Woodlands area, the walks were much brighter with tree lined streets with & without sidewalks.

AirBnbs

Our Airbnb in the Ibex Hills area was just too modern for senior travelers like ourselves. The Big guy continuously complained (to deaf ears) about the sofa being uncomfortable & having to walk up steep, uneven height of the stairs to the bedroom. A big concern for us was the downstairs bathroom that had a glass door, which did not give any privacy to whoever was in the bathroom!! Not sure what the builder was thinking on that point…. Finally, I agreed with him that we needed to move to a different location that was closer to grocery stores, shopping centers & coffee shops & more walk-able.

For the last three weeks, we stayed at the Pebble View Luxury Apts. in the Woodlands neighborhood. Loved it!! This small complex was beautiful, well managed, great staff & walk-able to three different malls/shopping centers 1 1/2 – 2km in distance! A/C & hot water throughout apt also a huge plus.

You just really need to do your research & find out where you are staying & the distant from malls, grocers, coffee shops, etc.

Shopping Centers/Malls

Almost every neighborhood in Lusaka had its own version of a shopping center or mall, which catered to the people in that neighborhood in the type of brands carried in the stores. It really does make it nice since so many people do walk.

Every shopping center or mall each had their own grocer which was very convenient. Sizes of the malls varied. Our favorite to walk to was the Novare Pinnacle. Great stores, nice eating places & coffee shops.

This is the Shoprite Grocer!

Meats behind glass doors in Lusaka, Zambia grocery store.

During one of our walks to Leopard Hill Mall we met two men that were smoking out in front of the coffee shop. They stopped us and told us that they were from South Africa & Israel & had moved to Lusaka, Zambia years ago. They loved Lusaka so much they decided not to leave. One of the men asked us to let him buy us a pie from the local gas station that was around the corner & before we could answer he was walking away saying he would be back. We sat down to wait for our drink orders & a few minutes later he returned with two “pies”. He told us he had picked one beef pie and one chicken pie. He said that the secret to a good pie is hand rolling the dough and that the station hand rolls the pie dough for every pie they make. This was our first time eating meat or chicken pies & we both agreed that they were very very good.

Restaurants

Lusaka had a tons of Restaurants if you like Fast food like chicken, pizza & etc. We saw KFC & Hungry Lion restaurants in every area of town (it seemed like they were on every block)! We did find an Middle Eastern restaurant in one of the larger malls, but that required ordering a taxi to get there.

The saving grace in restaurants for us was the Mozambik! I don’t remember the Mall it was in but I’m sure if you google it when you visit Lusaka, it will come up. We went multiple times & were never let down. The food, staff, ambiance was awesome! It was at the end of a hall a little hidden but well worth the walk!

Don, the Mgr in front of the Mozambik restaurant in Lusaka, Zambia.

Cost of Living

The cost of living in Lusaka, Zambia was about 40% higher than living in Nairobi, Kenya. Everything in Lusaka was higher, the grocery store, restaurants & even clothing, but we made it fit into our budget by adjusting here & there. Rent for Airbnb was about the same as Nairobi, Kenya, but the area in Nairobi had much better sidewalks and wider streets.

Zambia is a landlocked country & it made sense that a lot of their goods were shipped in thus the higher price on some items.

The one area where we can say that Lusaka stood apart from Nairobi was the level of service at the place where we stayed. The cleaning & service at the Airbnb in Nairobi was okay, but the cleaning & level of service at the Pebble View Serviced Apartments in Lusaka, Zambia was like being in a 5 star hotel. Pebble View Serviced Apartments was “Awesome” & I would recommend to all.

Visa Process for ZambiaThe U.S. Passport is the one of the strongest in the world & proved its popularity upon our visa process in Zambia. Using the U.S. Passport allows you easy access to Zambia. When Immigration saw our U.S. passport, they waved us past the desk collecting the Health Form to queue for entry. The Immigration Officer asked us a few simple questions about where we were staying & then did the procedural process of taking our picture & only fingerprinting The Big Guy (as it seems has been the norm in most countries we have visited), before they stamped our passports & gave us entry.

Lusaka, Zambia immigration office for passport extensions.

Although, Zambia online says 3 months with no VISA, you only get one month at a time. We had to travel to the Immigration Office in downtown Lusaka to renew, specifically we were told, the day before the expiration date, which we did. Renewing was a very simple process, we just handed the clerk our passports & waited about five minutes before she called us back to her desk to give us our passports back stamped with a one extension.

Weather was HOT

There is no easy way to say it, Lusaka is a hot dry city but that is Zambia. We did walk quite a bit but boy was it hot, arid & dry. Having air conditioning & a well kept pool in the complex at Pebble View was definitely welcomed on those hot days to cool off.

Transportation

There are a few ride hire services in Lusaka. When we arrived at the airport, we immediately looked for a place to get a sim card for our phones. T-Mobile works in Zambia, but we wanted a Zambian sim card to load the ride-hire app on our phones. The shop recommended Yango (think “Uber”) ride-share app to get around. It was very easy to use. There is also Ulendo (GO) and a few others that I can’t remember, but the biggest difference in the ride share apps are the car models & prices. For example Ulendo (GO) uses newer model cars & pays their drivers more but I believe charged more as well? Lusaka does not have Bodaboda motorcycle system of rides (I talked about these unregistered paid motorcycle rides in my blog about Uganda).

Yango App in Lusaka, Zambia.

Currency
Zambia uses Kwacha as their currency. Don’t you love the bright colors & images!!!  We used ATMs to obtain kwachas when needed.

Safety

As Zambia is considered one of the safest countries in Africa, we felt pretty safe in our walks. Now we continue to be aware of surroundings as purse or phone snatching is a problem almost anywhere you go but we never had any problems. We were always back at the AirBnB before dark although we were told Lusaka rocked at night. We occasionally saw armed guards but again no problems.

Armed guard in Lusaka, Zambia.
Armed guard in mall in Lusaka, Zambia.

Lastly, the People

Lastly, the people we met were super nice & we’ve no complaints there at all. The staff at the Pebble were continuously teaching us words from their language & were so patient with us. Always with a smile. With Minus & Abigail speaking to us in their tribal language everyday, we were able to greet & respond to the local people as we walked to one of the Malls or to Grocery store!

Abigail & Minus at Pebble View Lus Apts, Lusaka, Zambia.

I can’t tell you how happy we are that we came to Africa! We have met so many people always with a greeting & huge smile on their face!

Next stop is Windhoek, Namibia! I wonder what it holds for us? Let’s find out!

Alternative to Budgeting? Not If We Wanted To Travel Internationally!!

For us to accomplish our dream of being able to travel internationally there was no alternative to budgeting as we were seniors on a fixed monthly income. Simply put, if we wanted to see our dream of travel to come true, we would have to do a deep dive into our financials!

Again, for us, there really was NO alternative to budgeting that would allow us to travel internationally. If you have followed us, we have been transparent in our earlier posts with our desire to travel internationally as seniors when we retired. We decided to jump the ship early, thus leaving The Big Guy to retire a couple years earlier than the standard retirement age. I am telling you this because if he had decided to hang in a few more years his monthly income would be a LOT higher, but the travel bug was biting hard. Seriously, I did not have to do much to convince him we could do this – travel internationally on a budget with our set monthly incomes.

So, again, to be completely transparent, The Big Guy & I live off our monthly Social Security checks. No touching the savings – that is strictly for emergency use or a very very rainy day. Using those amounts, The Big Guy set us up on a budget based on the 50/30/20 Rule as a guide. If you are not familiar with this particular “Rule” there are loads of books that you can find online on budgeting. (Budgeting is simply known as balancing your expenses with your income.) I personally love Dave Ramsey as he keeps it simple & in terms I understood:) There are a number of budgeting apps that you can download on your smartphone, but we prefer to use the old fashion computer XL spreadsheet. You could hire a budget coach to get you lined out but if you read Dave Ramsey, I think you will find both what works best for your financial matters.

Lack of Money to Travel? Budgeting Could Be Your Answer!

If you lack money to travel but have the dream, budgeting could be your answer! Regardless of what you have heard, you do not need to be flush with dollars for international travel! IF YOU ARE ON A LIMITED INCOME, Yo will need a budget & you will have to be able to follow that budget month to month.

It can be a major headache during the process of getting all your numbers together for your budget prep, but well worth it in the end. Believe me!!! The hardest part for us was checking & double checking to be sure we had ALL expenses laid out on the table. Once that part was done, it really began to fall into place. So, a budget was absolutely necessary for us to be able to follow our dreams to travel internationally!

Any alternative to budgeting would not have allowed us this beautiful sunset in Campeche, Mexico
Campeche, Mexico Sunset

Our Best Decision Absolutely was to Create a Budget

It will soon be three years since our initial jump into international travel and Merida, Mexico our first stop & we have never once said ‘boy did we make a mistake’! Never! To-date, we have lived in Mexico, three locations in Colombia, Ecuador, two locations in Peru & we finished out the 2022 year back in Merida to visit friends. That’s another reason to travel internationally. We have made forever friends in every country we have stayed – extended families that we stay in touch with by email, texts, online or phone. We have been so blessed to have these people in our lives. Meeting new people in different countries opened our minds & hearts to new beginnings that the non-traveler will never understand

For Us There Is No Alternative to Budgeting….That’s How We Are Able To Make This Next Jump to….

Drum roll please…..Africa 2023 here we come! The plan is to stay at least one year traveling to different countries to see where that takes us! The possibilities are endless really! We plan to start our trip in Uganda & hope that we can spend three months building new relationships & making more forever friends! We will be sharing photos & posts as we travel to different parts of Africa. What will we find? We aren’t sure but we know we are excited to make new friends & learn new customs.

We may even get lucky enough to be invited to a wedding or traditional ceremony [fingers crossed]. How cool would that be? Yes, The Big Guy has former ‘work’ friends that he has stayed in touch with & their family’s have already reached out to us……SO EXCITED!!!! But for now… I know we will meet & hopefully add anther family to our international travel family! We don’t look at ourselves as tourist when we travel & try as much as possible to stay in working class neighborhoods.

Six Tips We Follow For Traveling Internationally!

1] Utilize off season flights which can substantially lower travel costs. We have done this on almost every trip & have saved bucks. If you are staying for a bit, it won’t matter if the weather isn’t perfect everyday.

2] Do not over-pack. Be diligent & check online weather reports & dress attire for your travel destination. Only pack essential clothing that you will need. Check how many bags the airlines allows for checked & carry-on to avoid being charged extra.

3] Be prepared to rent if you are staying for more than a few days. Search online to see how others found housing in your next stop. AirBnBs can be a good bet for longer stays. If you have a local connection, ask them for assistance in finding safe neighborhoods to stay.

4] Eating locally has always been a tremendous way to save money on meals. Our favorites are the lunch specials. Full meal deal for nominal cost. Tip: Find where the locals eat!

5] How easily are you entertained? For us, walking is the best entertainment & doubles down for health maintenance. Ask locals about their city & you will have a list of what you must see – mostly on the cheap side. Walking on a FREE local beach is a great way to spend the day swimming & walking or following the walking path along the lagoon!

Walking along a beautiful walking path along this Cancun lagoon is a sample of free entertainment!
Walking along a beautiful walking path along this Cancun lagoon is a sample of FREE entertainment!

6] Travel insurance with medical coverage is a must. This type of insurance is helpful if your luggage is lost, flight interruptions or if you have a covered medical emergency. Some policies may be reimbursement only and/or have a deductible.

Who Moved My Cheese?

If you or a loved one have doubts about whether a budget will not work for you – watching this video may just change your mind. Remove the fear & make the jump!

“THE QUICKER YOU LET GO OF OLD CHEESE, THE SOONER YOU FIND NEW CHEESE.”

Spencer Johnson

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