Cost of living

HAVE you ever dreamed of packing your bags and jetting off to find a place in the sun in Europe, but thought it wasn’t possible post- Brexit?

You might be surprised to learn how easy it is for British passport-holders to secure a visa to live in Portugal.

That’s exactly what I did last year, when, as a 39-year-old singleton, I rented out my one-bedroom flat in London and moved to Lisbon to work remotely on the D7 visa.

Here’s everything you need to know about why you should choose Portugal – and how to do the same thing I did.

Why move to Portugal?

When people ask me why I wanted to move to Portugal, I always say the same thing: the amazing weather!

I was thrilled to discover that temperatures reach 30C or more in July and August and rarely dip below 10C even in January, which makes a wonderful change from the endless rain and freezing winters that were really getting me down back home.

Plus, the nearest beaches to Lisbon are a 20-minute train ride along the coast at Carcavelos – or I can share an Uber with friends over the Tagus River to reach the stunning beaches at Costa da Caparica,
which is also a popular surfing spot.

I love having the culture and nightlife of the capital city on my doorstep.

But if you prefer a quieter life, you might want to head to the seaside suburb of Cascais, the picturesque former fishing town of Ericeira or the southern coastal region of the Algarve, which is particularly popular with Brits.

Wherever you go, the cost of living is much lower in Portugal than in the UK.

The rent for my modern two-bedroom apartment with a balcony and sunset views is around £1,100 a month – while I rent out my one-bedroom flat in London for £1,800.

Eating out is astonishingly cheap. I rarely pay more than £25 for two tasty courses and a couple of drinks.

A glass of delicious Portuguese white wine is around £2.50, and you can even get a whole bottle for the same price in supermarkets.

Taxis – a luxury I rarely enjoyed in London – are much more affordable too, with ride-hailing apps Uber and Bolt regularly applying automatic discounts of up to 45 per cent to try to attract customers.

My last trip back from the airport cost £6.50 for a 25-minute ride across the city.

Finally, it’s the slower pace of life that I love here.

The locals are friendly, it’s easy to make friends within the large expat community and the city is wonderfully walkable, so you don’t have to spend hours on public transport to get to work or meet up with friends (but if you do take the Metro or bus that’s super cheap too).

Since I quit my full-time job to go freelance and swapped dreary weather for sunshine and blue skies, my stress levels have plummeted and I couldn’t be happier that I chose to make Portugal my home.

What is the D7 visa?

Introduced in 2019 to attract foreign residents, the D7 is a passive income visa which requires you to prove you have an income of €10,440 (£8,825) a year from sources such as rental income, pensions or investment dividends – which works out to around £735 per month.

If, like me, you own a property in the UK and can make £735 a month in rent, you may be eligible for the D7 visa, which requires you to pay taxes in Portugal and stay in the country for eight months out of each year (or six months consecutively).

To apply for the two-year visa, you’ll first need proof of your passive income, such as a rental agreement, pension or investment statement.

You’ll need to obtain a NIF or Número de Identificação Fiscal (taxpayer identification number), open a Portuguese bank account and deposit savings of €10,440 (£8,825) for the first adult applying, plus 50 per cent of this amount for each additional adult and 30 per cent for each child, to prove you can support yourself or
your family financially.

You must show that you have secured one year’s accommodation in Portugal.

This could be a rental agreement or 12 months of Airbnb bookings, or if you happen to know someone who already lives in Portugal they can fill in what’s called a Term of Responsibility form to say you’ll be living with them.

You will also need six months of travel insurance and a DBS criminal record check issued by the UK government within two months of your visa application appointment.

Once you’ve ticked all these boxes, the next step is to make an appointment at the VFS Global centre Manchester or London to submit all your documents.

You will also have to hand over your passport, so make sure you don’t have any travel planned in the following 60 days, which is how long VFS Global estimates it takes to process a D7 visa.

However, my passport arrived back with my visa inside after just 22 days last May.

The D7 visa application process isn’t complicated but is time-consuming, so make a detailed to-do list that you can work through methodically.

I found Facebook groups such as ‘D7 Move to Portugal’ handy for asking questions whenever they cropped up during the six-month process.

For example, I learned there’s a branch of Portuguese bank Millennium BCP in London where you can open an account in person.

The hardest part for me was finding my apartment in Lisbon.

I viewed 17 flats during a 10-day trip, landing mine after applying for three flats in different neighbourhoods.

But now that I’m happily settled into my new life, I realise it was worth all the effort and admin.

My advice if you’re tempted to make the move and think you might be eligible for the D7 visa? Go for it!

WALKING back from her daily shop Beth Maitland, 32, isn’t worried about traffic jams, beeping horns or the cost-of-living crisis.

She’s more concerned about a local elephant trying to steal her bag of fruit.

It’s Beth’s ‘new normal’ since fleeing Britain over twelve months ago to begin her new life in Thailand, where rent is a fifth of the price, a dinner out costs just two quid, her front garden is a beach and her backyard rice paddies overlooked by a mountain range.

Thailand is routinely voted one of the top twelve destinations for Brit tourists where the pound goes a long way.

It’s estimated 55,000 Brits, from backpackers to retirees, have chosen to bail out of Britain, trading cold, gloomy weather for the tropical paradise and beaches known as the Land of Smiles.

Relocations have soared by a staggering 255 per cent since 2018, driven by Thailand’s Long-Term Residence or LTR visa which offers 10-year residency with tax exemption.

Beth, a former NHS maternity support staffer moved from Plymouth, Devon to the island oasis of Koh Samui in southern Thailand in March last year.

Talking exclusively to The Sun, Beth revealed: “I rent a two-bedroom cottage in the jungle, there are rice fields on one side, jungle on the other and it’s 15 minutes to the beach. From the roof I can check out the surf or plan a mountain hike in the other direction.

“If I paid the price I was paying in the UK, which was £700 for a studio flat in Plymouth, I could get a four-bedroom house with five bathrooms, a pool and a garden on the island’s outskirts with elephants as neighbours.

“The first month converting pounds to Thai currency – the Baht – was a nightmare and so was finding the perfect place to live. 

“Now it’s like I have lived here all my life. I am always shocked at how cheap food, accommodation and transport is compared to Britain. 

“The cost of living is so cheap I eat out for lunch and dinner every day. I haven’t had a ready meal since I moved here.

“Everything except British food is cheaper. For the first time in a decade, I feel I have a positive future, can buy a home, and achieve my career goals.”

Millennial Beth grew up in Plymouth and loved surfing in the summer months when the weather was good enough. 

She spent the next seven years working twelve-hour shifts as a nursing home assistant in Exeter before spending six months backpacking in Australia and Asia.

“I felt inspired by the Asian culture but thought I’d never be able to work or move there.

“I came back home in December 2019 to miserable winter weather and started work as an NHS maternity support staffer.”

Brighter future

When Covid hit, Beth says she found herself re-examining her life.

“Working during lockdown for the NHS was a privilege but it took its toll. I lost friends and patients.”

When the cost-of-living crisis hit Beth felt overwhelmed by work and a feeling her future wouldn’t be the one she wanted if she stayed in Britain.

“After rent and bills were paid, I was saving no money at all. When I hit 30, I knew if I didn’t act, I’d been in the same place with no savings when I hit 40. I couldn’t let history repeat.

“The government wasn’t offering young people like me hope. My friends could only buy a house if their parents helped.

“Other friends were marrying and having children admitting that they felt the goals they wanted for their twenties were no longer possible.”

It was when two of her close friends left to become digital nomads in Thailand and Bali in January 2024 Beth was inspired to act, realising she had a choice – commit to miserable weather, rising prices and a job in the NHS which wasn’t offering career development, or take a gamble, pursue a new career and move to Asia herself.

“Many of my work colleagues were shocked,” she says. “They couldn’t comprehend moving overseas, let alone to Thailand.

“It was terrifying and exciting for me but having friends living and working there already kept me going.” 

Beth isn’t the only millennial making the life-changing decision to flee to a new country instead of settling down and concentrating on their career here.

I sometimes think I have a career and life whiplash at the speed and dramatic change which occurred

Beth

The Currencies Direct’s British Expat Report 2024 revealed nearly 40 per cent of Brits are considering moving overseas due to the cost of living while a fifth, like Beth, feel a fresh start in another culture would be beneficial for their wellbeing and mental health.

And it’s the young who are leading the great British brain drain, and more than a third of people under 24 are planning to leave Britain in the next five years. 

Dramatic change

After a tip from a friend based in Thailand, Beth applied online as a full-time travel manager running group tours.

Just two Zoom interviews later and she was offered the job and within two months was living and working in Thailand.

Beth says even she was shocked by how quickly her life changed.

“I sometimes think I have a career and life whiplash at the speed and dramatic change which occurred.”

She explains: “I used to work part-time at holiday camps during my teenage years. As a maternity support worker, I was good at helping people before, during and after labour with all ranges of problems. 

Now two weeks of every month Beth travels with 30 holiday makers, overseeing their organised tour of Thailand’s islands and regional areas.

“Imagine running a creche on wheels for people of all ages and from all different countries on their first overseas holiday. I love it,” she says. 

“There is never a dull moment. People want to know if we are there yet, where the meet up point is, what the Wi-Fi code is, if they need sunblock, can they borrow a charger and when we are stopping for food. Or the loo.

“I must be a mother, nurse and organiser. I tell people making kittens and squirrels walk in a straight line is often easier.”

Beth then gets two weeks off and either spends time at her rented cottage or using it as a base to travel to other Asian countries.

She pays £150 a month rent for the two-bedroom countryside cottage which includes her water, electricity and air conditioning, as well as use of communal pool and gym.

“There are ten cottages and it’s full of long-term Brits based here. My phone bill is £20 a month and I share it with a friend.”

Beth says she now rarely cooks because the price of food at local restaurants and roadside food carts is so cheap.

My diet has improved dramatically. I haven’t had a microwave meal since I moved here. It’s fresh fruit and vegetables every day

Beth

“I have fruit or cereal for breakfast. I eat lunch and dinner out. It costs £2 for lunch or £3 for dinner. I usually grab stir fry, curry, Thai soup or rice dishes as well as a dessert, usually a sorbet, fruit platter or ice-cream.

“My diet has improved dramatically. I haven’t had a microwave meal since I moved here. It’s fresh fruit and vegetables every day.”

Cheap living

Grocery shopping isn’t the weekly trek to the supermarket like it is in Britain.

“I go to the local markets and buy bags of fruit and fresh meat if I plan to cook, which isn’t often.

“A pint of milk costs the equivalent of 56p, a large loaf of white bread is around 90p, a dozen eggs are 90p, a half a kilo of red meat is £7, chicken is just £1.85 a kilo. Cheese is the most expensive item costing £7 to £8 for half a kilo.”

Beth admits she does miss her British staples and those that are available come at a price.

“HP sauce costs £6 a bottle, Heinz Baked Beans are an eye watering £4.50 while a Lindt chocolate bar sets you back a fiver,” she says.

“I usually grab bread, milk, some cheese and a huge bag of vegetables and fruit for a fiver. Fortunately, good quality tea bags only cost £1 for a box here.”

Beth says wine is expensive costing £12 to £15 a bottle but local beers cost £1-£1.20 for a half litre bottle and cocktails are between £2 and £3.50, depending on the spirits you choose.

“If you go to a five-star hotel you will pay more. 

“Gym membership is £22 a month and a trip to a foreign cinema is £5.60 if you are missing home.

“I had to hunt down a good cafe for a cappuccino and it costs £1.70 for a catch up with my mates. I was paying £5.60 for a posh coffee at Starbucks in the UK, I can’t believe it.”

Beth says she doesn’t need a car and uses the local car or bike service called ‘Grab’, which is similar to Uber, to book travel online.

“A bike, which means I am a pillion passenger, is 50p and a taxi is around 78p a mile.

The standard of health care is better than Britain

Beth

“When I first moved here, I refused to use the motorbike ‘cab’ – now it’s second nature.

“If you do own or rent a car it costs 96p a litre to fill up the tank. A new Toyota Corolla sedan costs on average £19k new.”

Beth says if you have children private preschool starts at £275 a month per child and the private international primary school begins at £4,500 a year.

“I was stunned by the brilliant quality of healthcare available here in Thailand. When there was no delay to see a dentist or doctor I was gobsmacked. 

“The standard of health care is better than Britain.” 

Beth recently paid £50 to see a dental hygienist and £150 for a tooth extraction and filling. Back home I’d either be forced to wait one or two years to get an NHS dentist or pay more than £500 plus for the dental work.

Dinner splurges

According to financial website livingcost.org, Britain is ranked as the 11th most expensive country in the world while Thailand is the 114th most expensive.

Beth told us: “The cost of living is a lot cheaper – from shopping, to petrol, accommodation to food.

“If my friends and I went out for a splurge dinner, that costs us around a tenner for food and drinks all night plus the cab home.”

Beth usually buys her clothes at the local market but if she wants a retail hit H&M have stores in Thailand.

“If it gets hot, I peel off a layer. It can get cold during the equivalent of the winter months, and I pop on a sweater.

“It’s the wet season that causes problems but you learn to keep umbrellas handy.”

According to Beth, Thailand is now extra popular on the backpacking must-visit list with marijuana being legalised.

I feel calmer, more centred, and less stressed living here than I did in Britain

Beth

“Holiday makers are often shocked that pot cafes exist and pot is legally sold here,” she said.

Many of my thirty-something friends are moving here because Thailand is well known for its amazing spiritual and mental health clinics and holidays.

“It’s a very spiritual country. For people in their thirties moving here often means setting up wellbeing businesses or mediation and other fitness styled retreats.

“I feel calmer, more centred, and less stressed living here than I did in Britain,” she said.

“Everyone is meditating or trying a new yoga or healthy living trend.

“It’s a way many Brits not only embrace a new way of living, but a new career counselling or operating healing centres others move here to set up online businesses.”

Beth loves her new career path and says she is saving to buy a property on Koh Samui. 

“You can spend £70k for a basic three-bedroom apartment with four bathrooms, a communal pool and a countryside view. 

“When you consider that wouldn’t get me a static caravan in Britain it’s a brilliant option.”

Beth admits she misses her family and friends.

“I was homesick for the first six weeks. I try to come back to Britain once or twice a year.

“Once you make a few friends, join the various social media groups for expats and get yourself into a routine it becomes a new normal.

“I have hope again. I thought I would never feel this way. It turns out sun, surf and wrangling tourists is the perfect tonic.”

BRITS wanting sun, sea, sand have been swapping the UK for Spain for years – but its neighbour is fast gaining in popularity.

Portugal is increasingly becoming a more popular place for Brits to relocate to, thanks to its lower cost of living, great weather and beautiful beaches.

Portugal is a more popular place to move to than Spain according International moving company, 1st Move International.

It analysed UK Google search data to reveal which countries are seeing the biggest increases and declines in emigration-related interest – and Portugal is number six.

Historically, Spain has been one of the most popular destinations for Brits looking to relocate abroad – but Portugal has nabbed its spot.

Mike Harvey, managing director at 1st Move International said: “Mass tourism and the decision to impose taxes on foreign property buyers have affected affordability, making it more complex for retirees and long-term residents to move to Spain.

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“Spain’s interest among Brits has begun to dip, and neighbour Portugal may take Spain’s crown in the coming years.

“Portugal’s already firmly among Brits’ top 10 expat hotspots, and it’s creeping up the ladder with emigration searches increasing by 18.90 per cent year on year.”  

This has been backed up by data from the National Institute of Statistics (NIE) which revealed that UK expats living in Spain fell by 2.2 per cent in 2024, as reported by Spanish media The Olive Press.

UK resident numbers came to 266,462, down from 272,402 a year earlier.

It continued to reveal that ‘British expats now account for 3.9 per cent of all foreign residents, compared to 4.2 per cent in 2023’.

When it comes to competition between the two, there are lots of similarities – mostly their glorious weather which is much better than the UK throughout the year.

According to some weather sites Portugal is actually sunnier than Spain – but both have around 300 days of sun every year.

Portugal is slightly more mild in places like Lisbon along the western coast thanks to its cool Atlantic breeze.

Just like Spain, Portugal is pleasant during the winter months sitting at around 10C.

Of course most Brits move abroad to spend time nearer the coast and Spain has always been popular thanks to having over 3,000 beaches across 4970 miles of coastline.

As of 2025, 638 of these have Blue Flag status.

Portugal has less beaches as the length of the coastline is much shorter – around 1,115 miles – however it still has around 404 Blue Flag beaches as of last year.

After moving abroad, you’ll probably want a quieter place to relax – but of course both countries remain popular especially the summer holidays.

Portugal gets fewer tourists than Spain – although it did reach record highs in 2024 with around 31.6million visitors.

Meanwhile, Spain saw 94 million international visitors in 2023.

Both are likely to remain busy in the summer months – unless you head to less touristy areas.

Portugal tends to be cheaper when it comes to cost of living (and holidaying) too.

In Portugal you can get a meal for two at a mid-range restaurant €40 (£34.63) and a local beer can cost as little as €2 (£1.73).

The average price of a cappuccino is as little as €1.81 (£1.57).

When it comes to getting around, a one-way ticket on local transport is around €2 (£1.73).

Renting an apartment in one of the country’s city centres is around €943 (£816.34) per month.

Meanwhile in Spain, a meal for two at a mid-range restaurant is on average €50 (£43.29) and a local beer costs around €3 (£2.60), according to Wise.

The average price of a cappuccino is a bit more expensive too at €1.90 (£1.65).

Getting about in Spain is generally cheaper with a one-way ticket on local transport priced at €1.50 (£1.30).

Renting an apartment in one of Spain’s city centres is priced at an average of €950 (£822.40) per month.

In terms of logistics, Portugal is generally considered easier for British citizens to move to thanks to its D7 passive income visa for those who want to move there.

In Spain, expats will need a Non-Lucrative Visa (NLV), which requires more proof of income, and it has stricter residency rules.

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“Socialising in Lisbon needn’t cost a fortune – in fact you can catch up with a friend over a glass of wine for the price of a coffee back home.

“A fruity ‘vinho verde’ from a quiosque or restaurant terrace, enjoyed in the sunshine, might set you back just a few euros.

“One of the reasons why the top-notch wine is so affordable – with a bottle of my favourite white costing around three euros in the supermarket – is because Portugal is covered in swathes of vineyards.

“Most of Lisbon is very walkable – at least, if you don’t mind a steep incline – and most places I need to get to are well within a 30-minute stroll.

“Throughout the month of June, the city erupts into a series of big, lively street parties at night to celebrate the Festas dos Santos Populares – with the 13th the most important date.

“Lisbon isn’t a beach-side city in the same way as Barcelona, however just a short train ride or drive away are some incredible coastal spots.

“This means that, if you finish work at 5pm, you could be taking a dip in the ocean by half past – although, be warned, it will be refreshing.”

For more on moving to Portugal, here’s how one woman did it and ditched the UK for sunny evenings and warm winters.

And one woman who was on A Place In The Sun bought my dream Spanish home for £45k.

THE UK’s capital is one of the priciest cities in the world, making it
tricky to explore if your bank balance is already in the red.

But there’s one corner of London that’s the perfect budget day out- especially if you’re a broke Gen Z.

Camden in North London has long been a magnet for young Brits, from the punk scene in the 1980s to Britpop fans in the 1990s, to the Indie kids of the Noughties.

After the heyday of the Hawley Arms and bands like the Libertines, the
area lost its cool status to the likes of Hackney and Shoreditch in the east of the city.

But, it is now having a resurgence thanks to its wide range of live music venues – which Camden has managed to maintain while other areas face mass closures thanks to rising costs and noise complaints.

Great nightlife and budget-friendly – the perfect combination for anyone under 25 years old.

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To see just how affordable it really can be, I attempted to spend a day in Camden without spending more than £25, while still enjoying great food, drinks and attractions.

I started off wandering around the world-famous Camden Market, one of the largest markets in London where even on a budget, there is plenty to see and do.

Stalls sell everything from vintage costume jewellery and slogan t-shirts for a tenner,  to the usual I Love London souvenirs.

Camden has always been known for its unique clothes stores and these days, it still has plenty of second-hand clothing.

Rokit and Traid both have stores on the high street and the market is also home to The Vintage Collection, which stocks Britain’s ‘largest collection of non-worn vintage from the 30s to the 90s,’ – which is great fun to look through.

Or if you’re looking for a bit of art and culture, The Camden Arts Centre offers free entry into its  galleries and gardens six days a week.

All that perusing had got me hungry, but thankfully the market has a massive selection of food options with over a hundred food stalls from around the world.

When it comes to food, I opted for the TikTok viral Funky Chips that sells boxes of chip shop-style chips loaded with Indian and Mexican-style toppings.

They weren’t the cheapest, as the nacho chips covered in cheese, onions and jalapenos set me back £9.60 – they were filling and worth every penny.

There are plenty of places to sit and enjoy your street stall food near the market without needing to book or spend extra money.

The market is also home to past Camden resident Amy Winehouse’s statue, which still attracts fans from all over the world 15 years after she passed away.

Having filled my stomach, I was looking for some entertainment so headed for The Elephants Head in the heart of Camden high street, which offers free regular live music events.

On the day I visited, the venue was hosting bands from around the UK, with the Brighton band Cade drawing in the biggest crowd of the day, both inside and outside the venue.

The venue also offers two pints for £12.50, meaning it is a great budget-friendly spot for young people.  Where else could you enjoy four hours of free live music?

Of course, if you’re looking for big nights out with a bigger budget, then Camden also houses several huge music venues, including KOKO, the Jazz Cafe and the Roundhouse.

For those looking for some peace, the Regents Canal offers a quiet escape from the bustling crowds of the high street with its colourful longboats, buskers and street art.

This is a prime spot for young people during summer as it is filled with independent cafes, offering other great, cheap lunch alternatives.

If the weather is on your side, it is also worth visiting the neighbouring Primrose Hill, for its panoramic, skyline views of the capital.

Once afternoon turned to evening, I headed to The Lock Inn to take full advantage of their 2-for-1 cocktail deals and rooftop bar.

The deal means you can get two quality cocktails costing £13.95 or just £6.97 every Monday – Friday during Happy Hour.

If cocktails aren’t your bag, head down to The Dublin Castle for affordable pints and more live music or DJ sets.

This popular boozer is known for its ties to Amy Winehouse, with many of her early gigs being here, and these days it attracts an eclectic mix of local locals and fans of the Back To Black star.

It had been a long day, with shopping, TikTok-famous food, a gallery, live music, park hangs and evening cocktails – and how much lighter was my wallet? Just £23.

Not bad for 12 hours in one of the world’s priciest cities.

For more on budget breaks, here are the best cheap destinations to visit every month and the free things you can do there.

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