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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.

Amazing Actual Living Cost in Colombia For Seniors Living on A Budget Income!

The amazing actual living cost in Colombia alone was enough for these two seniors on a tight budget to revisit Bucaramanga again in 2025! It is such a beautiful city in so many ways & fits our strict monthly budget to a T! In 2024 I wrote a blog about our monthly budget in percent terms while in Bucaramanga. Truthfully, everything in Bucaramanga has enriched our lives so much so that it was a no brainer for a second visit.

We are about halfway into our six months here in Bucaramanga. Since we are doing things a little different this time, I thought I would give you a little clearer picture of our basic actual living cost here in Bucaramanga, Colombia. Short & sweet!

Renting in Colombia!

Living in Bucaramanga!

In our past stays in renting in Colombia (Cartanega, Bogota & Medellin) we always stayed at Airbnbs. We know we paid significantly higher since we were basically outsiders. Living in Bucaramanga changed that! We rented last year & loved the Airbnb. This year we were able to negotiate with the same homeowner for six months, agreeing to pay the utilities (more on them below). We pay about $700 a month for a 3 bedroom/3 full baths with huge terrace. Today, they are renting houses in our former non gated community/home in Elgin, Texas for about $2,500 USD a month for a similar sized 3 bedroom house, there is no comparison for what you get!

Monterrey apt in Bucaramanga, Colombia
Renting in Colombia. We love our apartment & our growing community we have here.

Yes, you can find less expensive 3 bedroom rentals, but everything comes with a price. We feel safer living in a gated community with 24/7 armed security. We know people that live in large apartments with multiple bedrooms in this part of town & pay about $300-$400 USD a month, but this apartment fits ALL OUR WANTS & NEEDS plus being on target with our rental budget!

Utilities in Bucaramanga!

Our utilities consist of water, gas, electric, cable and a monthly maintenance fee. The average (converted to US$) each – Water/Sewer/Trash 60,000 COP pesos ($15 USD), Gas 24,000 COP pesos ($6 USD), Electric 64,000 COP pesos ($16 USD), & Cable 140,500 COP pesos ($35 USD) & monthly maintenance fee for the building complex is 388,000 pesos ($95.79 USD). Average total for the month is $168 USD.

Compared to what we paid in the U.S. prior to making our jump into international travel: Water/sewage/trash avg of $100, all electric avg $250 depending on season (TX has warm winter & HOT summers) & Cable/Internet $100 with monthly HOA maintenance fee $30 USD on the low side – our utilities in U.S. ran about $480 USD per month.

Eating out vs Groceries in Bucaramanga!

In our budget eating out & groceries are two separate items. Eating out may mean spending $7 for the two of us for a filling & delicious lunch special called almuerzo. We splurge occasionally for KFC for about $17 for the two of us. Most of our eating out budget consists of coffee shops/bakery cafes. One of our favorite stops for a late morning or lunch might be cappuccino, americano, bakery each with 3 cookies to take home for total of $9.69 USD. Winner winner chicken dinner!! Ha.

Cafe lunch in Bucaramanga, Colombia
Cafe lunch in Bucaramanga, Colombia. If you know me, you know the chocolate dribbled roll was mine. Ha.

Grocery stores are plentiful & the prices are great except when it comes to imported U.S. labels which will run higher but its up to you whether you want to pay that price. I admit I do buy the Heinz Relish even though I clench every time I put it in the cart. We have lately been cooking & eating in which really gives us extra $ not used in eating out expenditure.

Fruits & vegetables, for us, are the best from the open farmers markets. In our neighborhood (El Tejar) it falls on early Sunday mornings so we try to get there early to get the prime pick. Here is a photo of our take Sunday morning totally $15.61 USD! (I just paid a couple months ago close to $7USD for a handful of grapes alone!) The great thing about markets is you can pick & choose which & how many of the carrots, apples, bananas, etc that you want. One vendor who we buy eggs from always throws in a bag of limes or maybe an avocado just because.

Vegetables, fruit & pork from farmers market
Vegetables, fruit & pork from farmers market

In closing...

Comparing the actual living expenses in Colombia is a no-brainer. Above are the necessary expenses we have every month. As seniors living on a fixed income we have very little left over income after expenses. It is nice to know that all our bills can be paid & we have a little breathing room left at the end of the month. Let me throw in here that we do not own a vehicle. Ubers & Taxis have worked fine for us & the monthly fees are miniscule when compared to the vehicle payment/auto insurance/fuel/maintenance that came with owning a vehicle in the States.

I’m late getting to my morning exercise routine today, so I will cut this for now. I hope that you understand more about how we manage our cost of living in Bucaramanga, Colombia!

Again, we have a budget that we follow religiously but if you are wondering if we are missing any luxury items from the States? The short answer is **NO**!

Three Months in Asuncion, Paraguay Was Too Long

Was three months in Asuncion, Paraguay to long for these senior travelers looking for their piece of paradise?

Yeah three months in Asuncion really was to way…. to long! Now, not to say it was all bad, but we just never really felt that warm & fuzzy feeling that would make us want to live here forever. I guess the first thing that hit us was arriving during the “extremely” hot summer season! Now I know I have said MULTIPLE times that I would take hot over cold as these old bones just can’t handle the cold BUT… I had to admit to The Big Guy about two weeks into our stay here that I HATED the Asuncion heat. (I was told later that this was one of the hottest summers in Asuncion so shame on us for that one). Asuncion summer heat is unforgiving & after three months we were more than ready to leave. Just as a side note, the evenings came alive once the sun went down temps cooled a bit which made the temps a little easier to handle.

old yellow newspaper bike
old yellow newspaper bike

I think the best way to describe Asuncion is to compare it with any conservative U.S. city. We stayed in Colombia the maximum amount of time on a tourist visa & it was time for us to leave. We needed to find a place to go in South America that was budget & tourist friendly. Our intent was to return to Colombia in the new year. We researched a number of places, but decided on the historic city of Asuncion, Paraguay. It was known as one of the safest places to visit in South America & allowed 90 day stays on a U.S. passport. Upon our arrival in Asuncion – a city of a little over 3.5 million with an average age of 27 yrs in 2025 – we stayed in the older historic neighborhood near the Presidential Palace. There was a very strong police presence in the Centro Historical neighborhood where we spent our first month I believe because of all the government buildings as well as the Palace.

We had to spend the full 90 days in Asuncion in order to meet our budget requirements. We decided that although we arrived in Asuncion during the summer months it was not our first time traveling into an area during the summer months. It just made more sense with our budget vs incurring travel debt for another flight. Three months fits our budget the best, but six month stays are prime!

Asuncion Visa Entry Fee

As a side note, prior to our flight, we had read so many blogs & social media posts stating that you have to pay a $160 fee each upon arrival for a “Visa on Arrival” in Asuncion? We were prepared to pay if we had to but once we arrived at Asuncion airport we saw the Visa on Arrival office but we walked pass (we figured the worst that could happen is they send us back to the Visa on Arrival office) & directly to Immigration. The Immigration official checked our passports for 90 days, nary a question of how long our plans were to stay or anything regarding a $160 entry fee!

A Little Asuncion, Paraguay History!

Asuncion, Paraguay History

Asuncion, Paraguay is the capital city of Paraguay & has had a violent but interesting history. It was founded in 1537. The city was originally named Nuestra Señora Santa María de l’Asunción, it was customary to name a city after the religious calendar. Asuncion is one of the oldest cities in South America & that is how it became know as the “Mother of Cities” & the World Capitol of Friendship.

Paraguay has approximately seven (7) million people of which about 10% of the population speak Spanish, but 90% of the population speak the native language of “Guarani”. This is not the place to learn Spanish!

In 1617, the Spanish Río de la Plata governorate separated Buenos Aires from Paraguay & created Asunción as its capital, effectively making Paraguay lose it access to the sea. Paraguay gained its independence from the Spanish crown in 1811. Then in 1869, Brazil, Uruguay & Argentina defeated Paraguay in what is known as the worst war in the history of Latin America (War of the Triple Alliance). In the end, Paraguay lost over half (1/2) of its population & large tracts of land as a result of the War.

This monument sits in the park next to Palacia Lopez. They say a picture paints a thousand words? Well this art project speaks volumes about the horrific past of Paraguay.

Artistic rendition of Stroessner's dictatorship of Paraguay
Artistic rendition of Stroessner’s dictatorship of Paraguay

Is Asuncion, Paraguay Safe?

Paraguay is rated a Level 1: Exercise Normal Precautions. There was a noticeable presence of police & military staff in the Centro Historic area we spent our first month in Asuncion but it made sense. Our Airbnb was located almost directly across the street from the Palacio Lopez where the President works.

Palacio Lopez, Asuncion, Paraguay.
Palacio Lopez, Asuncion, Paraguay.Beautiful pink building decoraed for Christmas 2024.
Asuncion Sign
Asuncion Sign

Now walking on the streets of Asuncion after dark also is not safe. Dark quiet streets…don’t travel down. Use your head & you should be fine. All the police & military (yes they had guns of various sizes) we saw day to day were always pleasant.

Again, Asuncion Weather Was HOT!

Temps in Asuncion ran as high as 112 heat index on some days. Most days were close if not at 100! We had a pool available to us for swimming, but at the heat temp the pool never looked that clean for me to jump in. The heat is simply exacerbated by way of Paraguay’s location in the South & the urban building going on. With the location it simply is a tropic country with direct sun year round so be careful when you say you can take hot heat cause you might have to eat those words like I did. Ha.

Overall Impressions Asuncion, Paraguay

Coffee shops are in abundance in Asuncion, Paraguay. The one thing I can tell you about cafes & restaurants is that you just can’t get in a hurry here but I assign that to just living in South America & its easy pace of living. If you are in a rush to be served, you are likely to walk away unhappy! We are always checking out local coffee shop & Karu has everything. Friendly staff, great coffee, brunch & awesome bread, I see why it is a favorite! It was just a few blocks from our Airbnb off Santa Teresa street.

Karu coffee shop, Asuncion
Karu coffee shop, Asuncion
Anga coffee cafe, Asuncion
Anga coffee cafe, Asuncion
Ice coffee & hams/cheese on croissant
Ice coffee & hams/cheese on croissant. A perfect lunch on hot Asuncion day!

The National Pantheon of Heros in Asuncion is a landmark for remembrance of lost heros. If you hit the right time, you can watch the changing of the Guards!

National Pantheon, Palma Street, Asuncion
National Pantheon, Palma Street, Asuncion

There is a lot of older architecture, some in better shape than others, but all the same beautiful to me.

Example of beautiful but old architecture in Asuncion
Example of beautiful but old architecture in Asuncion. For old architecture, Asuncion Centro town is where you want to walk.
Ministri of Economy
Ministri of Economy

Bolsi was a great place to eat. It featured indoor as well as outdoor tables which was our choice if there happen to be a breeze that affternoon! For traditional food, the Bolsi has been owned & operated by family since 1960.

Bolsi Restaurant, Asuncion
Bolsi Restaurant, Asuncion

The Bahai Paraguay Riverwalk was really nice for very early morning or late evening walks. It ran for over 5 km along the river. There were areas of beach for fishing, boating & other water sports. The walk also passed wooded & marsh areas benefiting the wildlife as well as several lookout points over the river & Asuncion. On cooler night the vendors were out & runners/walkers were out. Along the boardwalk there was an incredibly large number of police both walking & on motorbikes traveling the way. So yes it felt pretty safe.

The Paraguay River is over 2500 km long & the fifth largest river in South America from Brazil thru Bolivia, Paraguay & Argentina to the ocean. It is used by several countries to get products to the ships at the ocean port.

Evening on boardwalk in Ascunion
Evening on boardwalk in Asuncion.
Sailboats on Paraguay River, Asuncion
Mornings brought out the sailboats on Paraguay River, Asuncion
Horace & the Paseo de la Guarania on Paraguay Riverwalk, Asuncion.
Horace & the Paseo de la Guarania on Paraguay Riverwalk, Asuncion.
Feliz Dia del Arpa in Paraguay
Feliz Dia del Arpa in Paraguay – the harp is a national symble for the importance of music. It sits along the Boardwlk.

West Coffee Shop – Now we did not find this coffee shop until the last two weeks of our stay in Asuncion & we were sorry that we did not find it sooner. Walking across the drive to the cafe door, the guard smiled & greeted us. When we walked in the door the owner “Alex” greeted us with the warmest smile & hello. As we watched other come in, the greeting was just as enthusiastic! If you are in Asuncion, this place not only offers a great cup of hot or cold coffee, other drinks & sandwiches, but probably the most awesome customer service & kindness we experienced in Asuncion!

West Coffee, Asuncion, Paraguay
West Coffee, Asuncion, Paraguay

Final Thoughts about Asuncion, Paraguay

We are glad we went but we now know we don’t need to go back. The weather was just to hot & honestly we did not get the warm & fuzzies of this city. Now we did meet quite a few Europeans who loved it & have made it their home for their own personal reasons. You go!

The one thing that seemed so strange to me was their love of fruitcake! It was in every grocer & ranged from fruitcake loaves covered in powder sugar to HUGE fruitcakes. Seems it is a traditional dessert & since it contains alcohol for preservation, it can be stored for months. Never been a fan & I am still shaking my head over that one.

All your dreams may come true in Asuncion, Paraguay but you won’t know until you visit.

cobblestone streets
cobblestone streets are a common sight off the main streets.
Terere thermos
Terere thermos was – it seemed – was everywhere to carry their mate (tea).

Beautiful Bucaramanga, Colombia Has Stolen Our Hearts!

I am not lying when I say beautiful Bucaramanga, Colombia has stolen our hearts… It has well earned being labeled ‘La Ciudad de Los Parques‘ (The City of Parks) with over 160 parks as well as ‘La Ciudad Bonita de Colombia‘ (Colombia’s Beautiful City). Both names represent the city well! I am tearing up just thinking about our departure but the next adventure awaits. Six awesome months we have spent in Bucaramanga & the friends we have made… BUT immigration dictates six months is allowed per calendar year so we must move on but oh what memories we will have forever…

The kicker is this beautiful city in the Department of Santander, Colombia was never on our list to check out for a possible landing! I seriously wanted to go back to Medellin for a longer look at the city when one day while chatting with our friend, Shihan while in Quito, Ecuador he invited Horace to compete in an upcoming kickboxing competition in Piedecuesta, Colombia, a small city outside of Bucaramanga. If you know us, we looked at each other & after reviewing the budget, we decided why not? And so the love story began…

A Little About Bucaramanga, Colombia

Bucaramanga is the capital of the Department of Santander in Colombia having been ‘founded’ in 1622. As of this year, 2024, the population is just around 1,400,000 people & is the fifth largest city in Colombia. The city is located in the north eastern mountains of the Colombian Andes at 3146 feet above sea level.

It is a significant tobacco & coffee growing region. It was exciting for me to see the coffee beans on the plants during our beautiful (but sometimes strenuous) mountain walks. Let me say I had to talk myself (‘you can do this Holly’ kind of inner talk) but what beautiful rewards from the sights & meeting locals along the way. Yes I would do them all again!

If you read my previous post you can see how economically friendly Bucaramanga was to these two traveling seniors. Originally, living on a budget took a minute to get use to but I can easily say that without that budget we would not be able to have made the memories we have. Memories we will cherish forever.

Photo Memories of These Two Seniors Living in Bucaramanga

I hope you enjoy this trip down memory lane of our six months in Bucaramanga. We didn’t see everything we wanted to see but we were not rushed as we knew we would be back! Til next year… In no particular order…

Sunset in Bucaramanga Colombia
Sunset in Bucaramanga
Park bridge in Parque Mojarras, Bucarangma..
Park bridge in Parque Mojarras – one of the MANY parks in Bucaramanga.
Mountain walk with friends.
Mountain walk with friends.

The people so welcomed us into their community inviting us to what some would describe as a walk, but should be described as a pilgrimage to the mountain top. These walks up the mountain were some of the most difficult walks that we have ever taken and created memories that will last our lifetime.

Park bridge in Parque Mojarras.
Sunday morning walking group. These folks are faithful Sunday morning walkers always looking for a new mountain path. We were blessed to be invited to join them.
Cumbia in Bucaramanga, Colombia
We were invited by friends to this forkloric Cumbia song & dance in Bucaramanga, Colombia
Stone lady in Ecological Park in Bucaramanga
Stone lady in Ecological Park in Bucaramanga

The thing that we like most about Bucaramanga was not just the beauty of the city, but the people of Bucaramanga & how they welcomed us into their community. Not only were the people of Bucaramanga kind & welcoming to us, but they frequently made traditional food dishes or brought us one or more of the traditional fruits from the area.

This sculpture was across from the Cacique Mall & NeoMundo Event Center.

Neomundo Metal Sculpture, Bucaramanga
Neomundo Metal Sculpture, Bucaramanga

Parque Bosque was probably our favorite park for several reasons – awesome views of the city & mountains, daily exercising as well as catching up with friends. It was a good walk from our Airbnb & coffee break was the perfect ending to a long exercise at the park.

The perfect path in Parque Bosque, Bucaramanga
The perfect path in Parque Bosque, Bucaramanga
Horace doing core work at Park Bosque
Horace doing core work at Park Bosque
Ruby & Holly at park
Ruby & Holly at park
Coffee Time!
Coffee Time!
Soy Santander letters
Soy Santander letters

Will we go back to Bucaramanga? Oh yea! As I end this blog we are looking at a return trip. This could be the place for us! Enjoy!

Our Wonderful Six Months Cost of Living in Colombia 2024!

In this post I will share with you a picture of our expenses for our cost of living in Colombia 2024! We have absolutely loved every minute of our time in Bucaramanga, Colombia but immigration dictates 180 days per year so we are out of here in a few short days.

Six months in Bucaramanga really let us get a good feel for our monthly budget. We tracked every expense (peso) in a spreadsheet & posted those to our budget sheet every few days so we always knew where we were on the budget.

Bucaramanga street with vine covered walls.
Bucaramanga street with vine covered walls. Whats not to love of this view?

What were our actual costs to live in Bucaramanga, Colombia for six months in 2024? Just for comparison I’ve put all our expenses in a percentage of our budget so you can compare to your own expenses – get your calculator app out to see how the calculation compares to your available monthly budgeted percentage. I think that makes sense but lets jump ahead…

How Much is 100,000 pesos in Colombia?

Before we jump into the budget someone asked me how much is 100,000 pesos in Colombia? Well I’m going to tell you as of the date of this article 100,000 pesos (100,000 COP) was equal to $23.18 USD. Since I quoted some of the prices below I thought it only fair that I give you a peek at the current conversion rate. Now lets go look at that budget!

Breakdown of Cost of Living in Colombia

We realized early on in our international travels that somewhere in South America, possibly Colombia, may just be the sweet spot for us – not for an ‘extended vacation’ but as a place we could actually spend the rest of our lives. Saying that was easy but we really needed to track expenses to see if the actual cost of living in Colombia would benefit us & fall within our already created travel budget? Six months is a good starter! So I listed absolutely every expense we had but you should walk away with a good comparison to what YOUR expenses would be in the USA. Is international travel a fit for you?

Rent Cost in Bucaramanga

Our monthly average rent for the six months in Bucaramanga was 17% of the allotted 26% of our household budget so UNDER BUDGET! YES! Housing is one of our biggest monthly expenses, but housing in Bucaramanga, Colombia included all our utilities, such as water, gas, electric, cable & internet service. Compared to U.S. with house payment and utilities such as the above plus property taxes, maintenance, etc – renting an apartment in Bucaramanga was a no brainer! House rentals in the US are crazy high for the average person not including any utilities & that is for a ‘normal’ house in a relatively safe neighborhood. Plus, in the U.S. there are four seasons which means utilities could easily sky rocket year round with the extreme variances between hot & cold seasons. In Bucamaranga or any city for that matter, renting an Airbnb (one that fits your budget) that covers all those expenses in one economical charge per month is again – a win win.

Grocery Expense in Bucaramanga, Colombia

We budget 11% of our household income for groceries, however we didn’t have to compromise in order to achieve spending less than the 11% allocated in our budget. Grocery expenses in Bucaramanga included visits to open fruit/vegetable markets on Sundays as well as the local grocery stores. If we ate breakfast, it was in the apartment but lunches &/or dinners went between cooking in or going out, depending on plans for that day.

Certain ‘inter-national’ grocery items can run a little higher; for ex. a bottle of Heinz relish was $8 USD (how much is it in your grocery store?); same with name brand shampoo or body wash but still we are talking international brands so… For the most part, prices are economical for us. For ex: 30 fresh x-large eggs at open market on Sunday mornings was 18,000 COP. Smaller eggs could be bought at grocer for 14,000 COP but I prefer larger eggs. What do you pay?

36 brown x large eggs
36 brown x large eggs at open market ran us 14,000 COP.

I just want to clarify that our grocery expense includes EVERYTHING along with several non-food items, such as laundry & dish-washing soaps, mops, trash bags, etc. Depending on what you desire in your budget you could separate this out into two units?

Dining Out in Bucaramanga

Our budget for dining out is 4%. We went over budget, HOWEVER this balanced out with under budget for grocery shopping, so to me that is a win-win. Dining out expenses included almuerzos (lunch specials) delivered to the door! In the U.S. when we would go out for a lunch even for a salad & drink each, it could total over $40 USD. Here in Bucaramanga a great filling lunch (below) cost you anywhere from 12,000 – 14,000 COP each! Depending on the neighborhood you live in I could see that price might rise just a little but I’m guessing?!

This particular kitchen charges 24,000 COP for two of us! The food is great & if you are not into eating ‘international’ crap like McDonald’s, you can save a few pesos & be healthy! There were a few restaurants that we really liked the food & service had great lunch specials at economically friendly prices!

A typical Colombian almuerzo is a cornerstone of the economical cost of living in Colombia!!
A typical Colombian almuerzo – noodle soup, a vegetable, rice & chicken, chicken leg w/passion fruit sauce & juice!

Coffee at local cafes were basically a daily must for me. Coffee frappe at my favorite coffee shop Cafe 21 ran 12,000 COP. Same drink at Starbucks would easily run over $7 or higher stateside.

Frappe de cafe
Frappe de cafe

Medical/Pharmacy Care

Our medical/pharmacy care allotted at 15% of household budget came in Under Budget! Since Colombia is ranked 22nd in the world for healthcare & personally fantastic we felt comfortable using their healthcare services. We are both fine but there was a slight pause that was reason enough to travel to Foscal Int’l Hospital for a checkup. Our cost for complete consult, blood lab workup & a full abdomen sonogram was less than $50 USD.

Most medicines can easily be refilled at numerous local pharmacies at a VERY reasonable price. I needed B/P to be refilled & took box in, walked out with a few months prescriptions. We have found vitamins to be about the same price as the United States costing about 89,090 COP for a 60 day supply, but they are a part of our daily regimen so counted as a necessity in budget. Our U.S. based health insurance that we still pay every month (but at some point will cancel) uses the majority of the above budgeted amount & doesn’t even cover us outside the United States after 60 days. .. Yes that is a sore subject & at some point we will see about canceling that but until then… We also pay yearly for an international health insurance plan, but it is only a small amount of that actually goes toward this percentage.

Staff from the Foscal Int'l Hospital in Bucaramanga
Staff from the Foscal Int’l Hospital in Bucaramanga

We have actually used the medical care system in two of the four different cities of Colombia that we visited or lived. The quality and cost of the medical care was equally outstanding. In Bucaramanga, Colombia we went to Foscal International Hospital and was assigned a personal language translator who escorted us thru the medical hospital and arranged for all the various tests. {Again, we are both fine, just a general check-up}. All fees were quoted to us up front & we paid in COP. No nickel & diming you to death for months afterwards.

Local Transportation/Travel Costs

We allot 19% of our monthly income for transportation! In the U.S. this budget item included our car payment, mandatory car insurance, gas & maintenance & totaled about 20% monthly. We were extremely under budget in Bucaramanga. We used Uber as our main form of transportation during our six months and used about 2% of our allotted monthly transportation budget. Just a side note; any required Visa fees would be included in our Transportation allotment. For ex: to renew our initial 90 day visa for an additional 90 days it cost us $50 USD each.

Normally, we walk a lot but if needed an Uber is our choice. (Just for comparison we learned that a recent twelve mile trip using Uber in Austin, TX cost $40 USD.) – the same trip in Bucaramanga using an Uber would costs about $2-$5 USD depending on the time of day. We have used taxis, but the Big Guy is skeptical about getting from point A to point B in a taxi. When using Uber we automatically notify a third party about our movements. Buses are also available, but currently we follow the the U.S. government security advisory and avoid this type of public transportation.

Do we miss not owning a vehicle? HECK NO!

Entertainment

We were far below our 4% allotted amount in budget! Our idea of entertainment probably varies from yours – an occasional road trip, mountain walks, playing board games with the neighbors, a special meal or simply fresh juice with friends. Entertainment will probably be readdressed in our 2025 budget & combined with Dining Out? For now, it is what it is!

The cost of living in Colombia is staggering when compared to our home state in US.
The cost of living in Colombia is staggering when compared to Texas in the US. Stopping for fresh squeezed carrot juice on one of our mountain pilgrimages & paying 3,000 COP for a large juice, an unthinkable price in the US.

Telephone Service Outside the US

Telephone monthly service fell far below our budget allotment of 4%. This covers 12 GB data, WhatsApp, F/B for thirty days for our two phones. The only thing you have to remember is the day your month expires you could find yourself with no service & doing a quick walk to the nearest Claro to get a recharge. So easy on the budget! Our five year old unlocked cell phones (with E-Sim) still take great pictures & videos. Currently, we don’t see the need to upgrade as we do try to take care of our phones, they are still supported with updates & we recently replaced our batteries.

Personal Expenses

Personal expenses averaged out to be under the 4% allotted budget amount. This expense really can vary from month to month with expenses of clothes, shoes, etc. The necessary monthly personal expenses for us includes nail salons (45,000 COP), my hair wash/dry/styled (45,000 COP) as well as barber shave for The Big Guy at 50,000 COP which he swears is HIGHER here than in the U.S.

Since we have been accepted into the local community, which means being part of a walking group & going on three to four hour Sunday pilgrimages into the mountains we have both lost weight & our clothing sizes dropped drastically, so our personal budget was needed to replace the oversized clothing items. (Its great too that some stores give us ‘pensioner’ (old people) discounts!) Although some int’l clothing stores are a tad higher, there are some great other stores/prices to find so I really have no complaint right now.

Walking group
This picture was taken with a few members of the Sunday morning walking group. Pictured on the left is Don Cero the 84 year old leader of the group.

Misc/Other Expenses

Miscellaneous expenses had a 3% allotted amount in our budget which for this post was under budget. This allotment covers a mixture of just stuff, for example items that we particularly desired for our Airbnb or tips for services above & beyond, etc.

Savings finishes up our monthly budget. I hope this can guide you to your dream of being a senior international traveling! Below is a quick breakdown comparison of our budgeted expenses versus actual spending in Texas & Bucaramanga. As is all too common for many Americans, our combined income proved insufficient to cover our cost of living in Texas. This resulted in us relying heavily on credit card usage to bridge the gap between our budget and our actual expenditures.

A recap of our actual expenses for six months in Bucaramanga!

Budget Allotted Monthly Colombia Actual Expense U.S. Expense
Rent 26% 17% 42%
Grocery 15% 11% 13%
Dining out 4% 9% 22%
Medical 15% 2% 9%
Transportation 19%
Entertainment 4%
1.5%
3%
24%
5%
Telephone 4% .37% 3%
Personal 3% 7% 7%
Misc 3% 2.5% 5%
Other 7%
  • The ‘Other’ which I did not detail above covered things personal to us. For you it could be savings, emergency fund, repayment of loans, etc. Again, your budget will be different based on your travel funds/monthly income but by sticking with our budget it has enabled us to live a better life style UNDER BUDGET in Bucaramanga.
  • In Closing, the cost of living in Colombia has been a mind blower!

Economically it is a good fit for us! Looking quickly at our U.S. expenses above, it just made sense to us, economically, to venture outside the states to search for our piece of paradise. Now spending a short amount of time in ANY country will give you a peek at the economy but realistically the longer stay will give you a more realistic view. We knew on our first short trips to Colombia a few years ago that there was a lot to like, thus our return for six months

Colombia has such a rich history & culture with a wide range of ecosystems but the country has faced challenges in the past (drugs, cartels, etc) & is trying to move forward to improve its economy. Although it is trying to move forward it still is considered a “Level 3 – Reconsider Travel” by the U.S. Dept of State. What does that mean? Well, “Reconsider travel due to crime and terrorism. Exercise increased caution due to civil unrest and kidnapping. Some areas have increased risk.” There are still cities in this country that are basically ‘no go’ areas for locals as well as definitely tourists.

Cumbia in Bucaramanga, Colombia
We were invited to attend this folkloric Cumbia Dance Group in Bucaramanga, Colombia

Bucaramanga is considered one of the safest cities & the locals are proud of that. Now having said that, Colombia has made significant advancement on crime rates but even in Bucaramanga there are areas that we were told to stay away from. We have been told by many Colombians the easiest target is that of cellular phones for robberies so you must be aware of your surroundings & as The Big Guy says ‘don’t put yourself in a position to be a victim of crime’. Again, know your surroundings.

Economically speaking Bucaramanga, Colombia is a perfect fit for our lifestyle & budget. We are still searching for our little piece of paradise, but Colombia has once again put another city at the top of our the list of our possible piece of paradise!

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