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5 Realistic Ways to Move to Another Country With Little to No Money
Explore the tried-and-true strategies for relocating abroad without draining your savings—insider tips on student programs, volunteering, job opportunities, and remote work.
When I first thought about moving to another country with little to no money, it seemed like a far-off dream.
How do you navigate relocation without the cushion of savings? While it’s certainly not the easiest path, it’s entirely possible with the right planning.
This guide breaks down five practical ways you can move abroad even if you’re tight on funds.
From student exchange programs to remote work, here’s everything you need to know.
1. Leverage Student Exchange Programs
For current students or recent graduates, one of the most affordable ways to move abroad is through student exchange programs.
These programs, often organized by universities, allow students to study or gain work experience abroad, with many offering scholarships, stipends, or free accommodation.
Key Benefits:
- Affordable Education: Many exchange programs cover tuition, housing, and sometimes even meals, allowing you to study in another country without worrying about day-to-day expenses.
- Cultural Immersion: Living abroad as a student provides a deep dive into the culture and language of your new country while giving you a solid social network through the university.
- Scholarships and Grants: Depending on your university, you may qualify for grants that cover your airfare and additional expenses.
Where to Start:
- Visit your university’s international office or talk to your professors about exchange programs tied to your major. Popular programs like Erasmus+ (for EU students) and Fulbright (for U.S. students) are excellent options.
- Check your eligibility, as some programs are open to graduates within a year or two of finishing their degree.
By taking advantage of these programs, you can move abroad with minimal costs and even receive financial support to offset any extra expenses.
2. Volunteer Internationally
If you’re not currently a student, don’t worry, volunteering is another effective way to move to another country with little to no money.
Volunteer programs often provide room, board, and sometimes even a stipend in exchange for your time and skills.
This is an ideal option for those who want to give back while experiencing life in a foreign country.
Types of Volunteering Programs:
- Long-Term Volunteer Programs: Organizations like Peace Corps or UN Volunteers offer long-term opportunities (often one to two years) in various countries. These programs typically cover airfare, health insurance, accommodation, and a stipend to cover your basic living expenses.
- Short-Term Volunteer Programs: If you’re looking for something less permanent, websites like Workaway and WWOOF connect volunteers with hosts in exchange for food and housing. You could be working on a farm in New Zealand or helping build eco-friendly housing in Costa Rica.
Caution: Not all volunteer programs are free—some charge placement fees, so always research and choose wisely.
Look for well-reviewed, reputable programs that offer feeless options or minimal charges.
Always verify the details through online reviews and testimonials.
Steps to Get Started:
- Google search terms like “International Volunteer Programs with Free Accommodation” to find opportunities.
- Reach out to NGOs or non-profits based in your home country that have international volunteer programs.
Volunteering abroad offers not just a way to relocate but also a unique opportunity to immerse yourself in a new culture, contribute to a cause, and have your basic living expenses covered.
3. Secure a Job Abroad Before You Move
Perhaps the most secure way to move abroad with little to no money is by lining up a job in advance.
Many multinational companies or international schools provide full relocation packages, including airfare, housing, and visa sponsorship, to attract foreign workers.
Key Opportunities:
- Teaching English Abroad: If you’re a native English speaker, teaching English is one of the easiest ways to secure a job in another country. Countries in Asia (such as South Korea, Japan, and China) often pay well and provide perks like free housing and round-trip airfare. Certifications like TEFL or CELTA can enhance your chances.
- Multinational Corporations: Many global corporations offer international transfers or positions in overseas offices. Jobs in tech, finance, and engineering are particularly in demand.
- Hospitality and Tourism: If you have experience in the hospitality industry, you can often find work at resorts, cruise ships, or tourist areas. Some employers may offer perks like free accommodation.
How to Find These Jobs:
- University Job Fairs: Attend job fairs if you’re still in school or recently graduated. Look for companies that offer international positions.
- Job Boards: Search online job boards like Indeed, Glassdoor, and LinkedIn using keywords like “international relocation” or “expat jobs.”
- Recruitment Agencies: Specialized recruitment agencies can help place you in international positions, especially in high-demand fields.
If you secure a job that includes a relocation package, you can move abroad without worrying about the financial strain of upfront costs like rent and transportation.
4. Become a Digital Nomad
In today’s digital age, you no longer need to rely on local jobs for income—remote work is a booming industry.
Becoming a digital nomad allows you to earn a stable income while living in countries with a lower cost of living.
Best Jobs for Digital Nomads:
- Freelance Writing, Design, or Marketing: These fields are often highly flexible and can be done from anywhere with an internet connection. Platforms like Upwork, Fiverr, and Freelancer make it easy to connect with clients worldwide.
- Virtual Assistant or Remote Admin: Many companies are outsourcing administrative tasks to remote workers. Becoming a virtual assistant is a great way to secure consistent income while working from anywhere.
- Programming and Tech: If you have coding skills, you can find well-paying remote jobs that allow you to live abroad while continuing to work for companies in higher-income countries.
How to Get Started:
- Build a portfolio showcasing your skills and experience, whether you’re a writer, designer, or developer.
- Join platforms like We Work Remotely, Remote.co, or FlexJobs to find legitimate remote work opportunities.
- Research countries with favorable digital nomad visas or flexible visa policies for remote workers. Places like Portugal, Estonia, and Thailand are popular choices for digital nomads.
With remote work, you can earn U.S. or European wages while living in a country where the cost of living is much lower, making this an ideal option for budget-conscious movers.
5. Use Savings or a Trust Fund as a Safety Net
While this might not apply to everyone, having a small nest egg or access to a trust fund can be a safety net as you transition to a new country.
The trick here is not to rely on savings alone but to use them strategically while setting up income streams in your new home.
How Much Should You Save?
- Calculate the cost of living in your destination, including rent, utilities, food, and transportation.
- Aim to save at least 6 months’ worth of expenses. This gives you breathing room to find a job or set up remote income.
- If you’re relying on savings, prioritize affordable countries like those in Southeast Asia, Eastern Europe, or Latin America, where your savings will stretch further.
Can You Move to Another Country Without a Job?
While moving abroad without a job is possible, it’s risky without a financial safety net. Having a remote job or side hustle lined up before you leave is crucial to avoid financial strain.
Without a job or income stream, you’ll need substantial savings to support yourself while you find work or build a business in your new country.
How Much Money Do You Really Need to Move Overseas?
There’s no one-size-fits-all answer, but the best approach is to budget for at least 6 months of living expenses.
Research the cost of rent, food, transportation, and utilities in your destination country to get an accurate idea of how much you’ll need.
Websites like Numbeo provide cost of living data for various cities.
Conclusion: How to Move to Another Country With Little to No Money
While moving abroad with little to no money isn’t easy, it’s certainly possible if you approach it strategically.
Whether through student programs, volunteering, securing a job, or embracing remote work, you can relocate without a huge upfront cost. Just remember, preparation is key.
Plan your move carefully, research your options, and line up a source of income to make your transition smoother.
David Peluchette is a Premium Ghostwriter/Travel and Tech Enthusiast. When David isn’t writing he enjoys traveling, learning new languages, fitness, hiking and going on long walks (did the 550 mile Camino de Santiago, not once but twice!), cooking, eating, reading and building niche websites with WordPress.