How to Afford Living in Two Countries
Ever since Martin and I announced that we were moving to the United States for the summer, you’ve all been so kind, supportive, and encouraging. It wasn’t easy for us to pack up and leave our Berlin apartment just as soon as we finished creating our little space. We knew that we would have to, though. Before we even started seriously talking about spending time in Germany, we knew that had to accept the bazar lifestyle we’d have to adopt when we needed to be in the United States. I feel like we’re bouncing from house to house here. (Probably because we are, right?)
It’s hard to have a blog about making a home when to be completely honest, my closest friends can’t even keep track of where Martin and I are living. Every email begins, “So where are you living these days?” It’s almost a joke anymore. I didn’t really think this far in advance when I started Making This Home. I only thought through our life in Germany. Now we’re in the Rockies, and I’m giving pause as we start making a third place home this year. (We’ve lived in the apartment above, here, and now here.)
Naturally, you all started having a lot of questions about what we’re up to. I think I dodged them and ignored them because some of those questions were on a very personal, confidential level that I wasn’t sure I wanted to discuss. The biggest of these, of corse, is the discussion of money. When I think of people who live in both the United States and Europe, it sounds really expensive. I think of Senators’ wives, rich real estate tycoons, families with old money…. oh wait. Then I remember that I’m living in both the United States and Europe this year, and I am far from any of those. Well unless you count back in high school when I used to participate in government club, and everyone had to call me Senator for three whole school days. The only money involved were those huge packs of fake bills you can buy at the dollar store. I’ve never been so rich since.
The secret is all in where you live and how you live. If you want to live in Europe and the US and have an elegant, rich life, you can do that without even trying. If you want to be frugal, you can do that, too. Most people don’t really think of the second scenario. Wouldn’t it be better to just buy a home in one place and call it good? It would certainly make a blog about creating a home a heck of a lot easier. Living in two places on a small budget takes a lot of work. I’m taking a deep breath. I hope you don’t mind a rather long article today. Maybe I can answer some of the questions you have. Like I said, to get the opportunity to live in two places this year, Martin and I are having to do some pretty unusual things. Let’s start with Germany where we kicked off 2009.
Affording Life in Europe
Berlin is a rare spot in Europe. It’s still emerging from the division of East and West Germany. As a result, it’s really easy to find an affordable home in a safe, healthy location. It’s actually cheaper than Prague, which is claimed to be the cheapest European city for tourists to visit in the area. I think I’d be comfortable telling you that I paid more money to rent a bedroom in a Washington DC home than it would cost to rent an entire flat like ours in most parts of Berlin.
I think it’s interesting that stuff in Germany is much more expensive, but the things we really need – like food – seem so cheap. I think that the best way I can put this into perspective is to say that fruits and vegetables have the same price tags as they do in the US. Well except the fruits and vegetables are being sold by the pound in the US and by the kilogram (2.2 pounds) in Germany. So I’d buy organic apples for 2 bucks and get over twice as many apples in Germany. I’ve mentioned how going out to eat meant spending less than 10 bucks total for us on many occasions. You can bet we really miss those 3 buck pizzas now that we’re in the US, miles from any restaurant.
When we moved to Germany, I couldn’t speak the language. My “work” became learning German and later starting this blog while Martin worked. With the exception of our remodel which we’d been saving up for, our expenses were shockingly low. We didn’t get English television or travel around Europe, and we always tried our best to hunt down good deals. Our pear green dishes, for example, cost around 1.50 each.
I also wrote a post listing more specific ways to save money and afford to live in Europe if you’re looking for more bits.
Affording Life in the United States
We are back in the US this summer. While we can’t turn to those cheap handmade pizzas any more, we don’t spend much money because there’s not really anywhere to spend it around here! I’ve touched on the fact that I had never even heard of popular stores like Anthropologie before. Online shopping is the closest thing we have.
In my mind, I quickly do math when I see something online that I’d love to have. I ask myself how many hours of work it would take to pay for the item, then I ask myself if it’s worth that kind of time commitment. This type of thinking has curbed impulse purchases. Martin does the same. Another really big trick comes from our frequent moving. Would I want something so badly that I am willing to either live with it only a few months this year while we’re in the US or am I willing to haul it to Germany instead of something else? (We make it a goal to only take what we can check on the plane.) It’s a really crappy feeling to think of all the money we’ve spent on stuff that has been sitting in boxes.
Plus we’re living in an incredibly inexpensive place. I mean, how many people are interested in renting a house made out of tires in the absolute middle of nowhere?
The guys at the airport where I’m learning to fly say that there are two types of people in general aviation (small planes): rich people and people who know how to maintain planes. You can bet which category we fall into. My husband fixes planes. He’s also my flight instructor. I never would have even thought of learning to fly if I had to pay an instructor $40+/hour. I’m just not that into it, and we don’t have money to invest in something like that. Being married to a pilot, I think it is essential that I learn how to fly because if something ever happens, I want to know what to do. I really want to help more women get excited about flying, and the thought of taking off all by myself makes my heart patter. A bit of that patter, of course, is total fear, but mostly, I am excited.
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So now you know. We’re not trust-fund babies, which you probably guessed based on the square footage of our apartment in Germany (480 sq ft). We’re just two frugal people in our 20s, paying of student loans and working toward the things that matter most to us. Sometimes, those things might not always make the most of sense – even to our mothers. If you have any questions, feel free to leave them in the comments, and I’ll do my best to answer.
We’d also love hearing how you make your lifestyle work for you or the things that make you happy about where you are. Goodness knows, we could all use the love in today’s economy, so please share away.











June 1st, 2009 at 5:36 am
Ooh I loved this long post Katie. And the pictures you used to accompany it. I think you are so lucky that you’re able to live in so many places now, when it’s just the two of you – and I love seeing you taking advantage of the free flying lessons. Bravo! Hope to hear more about that soon! As you know, my family has had a major switch in lifestyle recently too, when we decided that I would stay home to take care of Fiona instead of returning to work. Having our salary almost cut in half is definitely hard – but I’m finding it feels really good to NOT spend money frivolously anymore. I like using coupons. I like shopping for sales. I like menu planning each Sunday for the whole week. I do miss Lord and Taylor though…I think I’ll ask my parents for a gift card to that fabulous store for my birthday! ha!
Great post, as always! Hope you have a good Monday!!
June 1st, 2009 at 6:59 am
Great post Katie and I wholeheartedly agree that living in Europe doesn´t have to be expensive….though I live in a very expensive city compared to Berlin and our rent is double what we paid in Australia.
I am a recent Penny Markt convert and am astounded at how much I save. I also shop around A LOT and do most of my shopping on the net saving BIG EUROS. This morning I found out it was considerably cheaper to buy the electric breastmilk pump I wanted from the UK and have it sent here than buy in in Munich. Saved 30 euros including postage.
Have a great time living in te tire house!
June 1st, 2009 at 7:02 am
Great post! The question I have (and maybe you have answered it before, and I missed it) is this: is your apartment in Germany a condo – meaning are you buying it, or renting? I can’t imagine doing that much work on a rental – not that any landlord would even let you knock down a wall here in the US…..I, for one, think you and Martin have a great life. It works for you, and that’s what counts!
June 1st, 2009 at 7:35 am
What a great post about living frugally. I had no idea that food was so cheap in Germany. I’m a coupon nut so I shop very carefully for food. I also had never heard or Anthropologie and West Elm and other such stores until six months ago or so, so you are not alone in that. I still could never bring myself to pay that much for certain items that are fun, but not neccessary. We live cheap too, have no debt besides our mortage, don’t have cable TV (who needs 120 channels anyway), and hunt for bargains everywhere. I hope you are enjoying your time back in the U.S.
June 1st, 2009 at 7:54 am
Hey Katie, thanks for answering my question. Our issue has never been the money either. I mean, we are far from rich, but we just don’t require a whole lot, similar to you guys. Our issue has been flexibility with work, which I think is the issue for many. But, since you guys are still young and childless (we are in our late 30s with two young kids), this is the best time for you to take advantage of your flexible situation. Many don’t, so good on ya for going for it!
I do have a question about your flat in Germany…I’m assuming you own it since you renovated the kitchen (which was FANTASTIC btw!), so are you renting it out right now? If so, maybe you could write a post on your tips for that process. And for finding your rental in the states…great find.
Still loving your blog…thanks again for this post.
June 1st, 2009 at 8:14 am
This was a great and interesting post, Katie. You’re smart, practical and creative…and it shows in your lifestyle. :)
June 1st, 2009 at 10:25 am
Thank you for all the positive feedback. It helps tremendously!
Oddly, German landlords often require tenants to put up their own wallpaper (the textured cover over the walls that you then paint). You provide your own kitchen and your own lights. So doing a remodel like ours isn’t all that unusual. Most people rent for life (or a long, long time) in Germany. It’s completely different… so therefore completely strange, you know?! At the same time, how much work would you put into a space that you don’t actually own? If we were renters, we wouldn’t have done so much.
I’m glad I was able to answer your question, Mama Bird. Let’s see what I can come up with about renting. I’ll have to think….
Katie
June 1st, 2009 at 2:37 pm
I truly don’t mean any of this as criticism. It’s a great post, but I think that there is a lot more involved in moving countries. I don’t know anything about the rest of Europe, but I’m familiar with Berlin so I’ll speak from my standpoint.
I think once you are set up here, it can be cheap, but getting set up is the expensive part requiring plane tickets, household items for your new place, fees for even getting into the apartment, transportation tickets or a car/bike, etc. (not to mention even saving that money up so you can buy all those things when you get here). And then comes insurances, rent, bills, food, language lessons, and more. Then, you have to find a job to maintain your lifestyle, which can be pretty darn hard nowadays. So my two cents is that if you have enough money to get set up here and can maintain a lifestyle that you are comfortable with, and have at least enough money in your bank account at all times to pay for a plane ticket back home, you can live cheaply in Berlin. Living between both countries, however, is something that we personally could never do unless we a) have very well paying jobs that allow the travel, b) no kids, c) lots of money saved or inherited.
June 2nd, 2009 at 8:47 pm
My question for you is how does Martin get so much time off from work? I know Europeans get a lot more time off than Americans do (lucky ducks), but doesn’t he have to be in the States for 3 or 4 months? How does that work?
BTW, Indy and I made it to the States yesterday! And I went to Target today! Hurrah!!!!!! I’m going to Hobby Lobby tomorrow to soak up the goodness. :)
June 6th, 2009 at 7:36 pm
First I have to say how jealous I am of you the two of you picking up and living in Berlin. Oh how my hubs and I have DREAMT being able to do that. We love Europe, were engaged in Paris and even had a destination wedding in Switzerland. So Kudos to you and um, I might start living vicariously through you just a little bit.
As a young and frugal couple ourselves, we are learning everyday how much we LOVE living smaller! It kind of surprises me. But living within or even below our means, living with less stuff, learning to get rid of the clutter and only keep what is lovely or special, less footprint, cheaper overall, leaves more money for other things like EXPERIENCES, less to have to take care of… well, it’s just great. And we are a little amazed at this discovery. We often compare our modest little home and lifestyle to kind of trying to live like a European, or someone in a bigger city. Simple, sweet.. we’re liking it.
February 9th, 2010 at 12:51 pm
Hallo..I also live in two countries..the u.k. and italy. I manage to live frugally having only a business in the u.k. to maintain my lifestyle, but I do supplement my lifestyle by renting both my homes when I am not in them. Renting my houses makes me live much smaller, carrying no rubbish in my homes. I drive from one country to the other because I have a small aged dog, and the journey is tiring but worth it in terms of her comfort. It takes 3 days comfortably…sort of comfortably. I try and spend two months here, two months there, and have become a total schizophrenic. Upside, lots of unusual friends and fascinating culture in italy, beautiful people, food and scenery. And in the u.k. my old friends, my business, family, my deep down security and my love of england and wales. I live in wales. I live very small in the u.k. and have a much bigger house in italy. It is tiring, confusing, exhiliarating, exciting and fun….and I will live this life for as long as I can. I am not rich . I have to work to pay all the bills and as said before, have to be prepared to rent my personal space., but there is something nice about sharing and you can be choosy about who stays in your houses. Good luck to anyone who has the get up and go and does it. Life is very short …… Annie
February 21st, 2010 at 12:45 pm
hi katie, interesting post. came across your post as i was searching for options to live in two countries. i live in berlin too right now but planning to start spending some time in india as well with my parents. i also have a question as in do u own the apartment u live in berlin or u pay the rent? cause my main worries are about the flat and job. in india i might not need much money as i would be with parents but inberlin what about my flat and my job? i do need some altenative to earn some money for flights and for rent etc. by the way your articles about living small and with less clutter is quite inspiring. i am alone and single, so should be actually a bit more easier than i think i should say. well thanks anyways for sharing your experiences.
February 25th, 2010 at 1:39 am
Balu, my biggest advice would simply be to follow your heart. If its something you want, it’s something I truly believe you can figure out. For us, the key is living a simpler life.
Each person’s situation is different. This last summer, we lived in someone else’s home – so it was their furniture, their dishes, their rules. I’m afraid our situation is so incredibly unique that I am not much of an authority in matters of living in several countries at once. All I can truly suggest is following your heart.
Best of luck.
Katie
January 28th, 2011 at 1:42 am
Hi there! Thanks for sharing this post. I have spent half my life living in Australia, where my family are, and half in the US, where my husband is from. We’ve recently moved from the US to Australia and it recently dawned on me how awesome it would be to be able to split our time between countries. While it’s still a pipe dream at this point, it’s lovely to know that someone else has found a way to make it work. This gives me hope! :)
April 10th, 2011 at 1:50 pm
Dearest Katie,
First off, BRAVO!! Congratulations on following you and your husbands hearts instead of conventionalism. My husband and I are also a young couple (28 and 30 yrs.) without children. We are considering buying a home in Cabo San Lucas, Mexico, to enjoy the sun, surf, and simple way of life 6 months out of the year. We live a very simple lifestyle. Our only debt are student loans and internet. I would greatly appreciate any advice for living abroad! Thanks again for the beautifully written blog!