An Exact Breakdown Of How Much It Cost Me To Move To Germany Last Year

living-abroad

Every second week, TFD is taking an in-depth look at the cost of living in other countries, to learn how people like us are able to fund their worldwide dreams. Moving abroad is something many of us regard as an unattainable goal, but it shouldn’t be reserved solely for people who don’t have to worry about money. We have an incredible lineup of people who have moved to every corner of the globe, and are more than willing to explain what their expenses are, and what it took to take the plunge and move abroad. If you live abroad, or have lived abroad recently, and would like to participate in this exploration, email maya@thefinancialdiet.com.

This week, Summer Brons, an American who recently moved to Germany answered the following 10 questions:

1. What city do you live in, and when did you move there?

I live in Nuremberg, Germany. I moved here from Columbia, SC in December 2015.

2. What do you do for a living abroad?

I work remotely for a very small, U.S.-based travel company as a proposal specialist. I write, research, and obtain quotes to prepare detailed travel proposals. Our itineraries are high-end and very customized, and most of what we do is in Europe, so that works out nicely for me. 

3. How exactly did you get that job, and how did you afford to move there?

I should start off by noting that I did not move to Germany because of my job; rather, because of my husband’s job. I’m married to a Swede who has worked for a German company for ten years. He came to the states to study (like me, he was a “non-traditional” student – we were both 30 before graduating), and his bosses preferred to have him back at headquarters after he finished. Between that and my incessant clamoring to move here because I love it so much, he agreed.

So, the universe was definitely on my side when my job came about. Back in late August, fairly soon after I’d found out we were definitely moving to Germany, I happened to see a tweet from the writejobs.info account about a travel company looking for a proposal writer. The posting was only for a part-time position, which isn’t financially ideal for me, but I read on and learned that it was 100% remote and that they were looking for someone with both writing and project management experience, which I had. The job honestly sounded perfect for my qualifications and personal interests, and since part-time income is certainly better than nothing at all, I decided to go for it.

At the time, I was working full-time as a sales administrator at a commercial real estate firm. I was not planning on leaving that position until about a week before the move, because money. About mid-October, the travel company asked if I would be willing to start sooner if they could offer me full-time hours until I moved. That sealed the deal and I gave notice at my existing job. This ended up being HUGELY beneficial, because not only was I able to familiarize myself with my new job while still being in the same time zone, but I was also able to be at home during the crucial weeks prior to the move. Between work-related tasks, I listed furniture and other belongings on craigslist, cleaned, got a head start on packing, etc.

To afford the move, I saved as aggressively as possible from August through December and, as mentioned, sold off belongings. My car was a 2003 Acura with 180,000 miles so it wasn’t worth much, but I was able to sell it for $3,500. Between saving and selling, I had about $7,500 in my account by the time it was moving day. Now, my flight was $1,500 and January rent was coming up, so almost immediately after moving, I had to take about $3,000 from that fund to pay my Delta AMEX and our landlord (my husband had covered December rent, so I took care of January). Having more money saved up would have been great, but isn’t that always the case? I feel VERY fortunate that I was able to move with a job already in place, and even more fortunate that my workload has remained heavy enough for me to continue logging full-time hours thus far.

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4. What are your monthly expenses?

Our apartment is a 88 square-meter (947 square-foot) one-bedroom and rents for 1,245 EUR (about $1,355) per month. I split the cost equally with my husband, so my portion is about $678. To move in, we also needed to front a very painful three months’ worth of rent as a deposit, and Germans sometimes like to take their kitchens with them when they move, so to keep the one that was already in place, we had to purchase it from the previous tenant. That was another $2,400.

My biggest expense, aside from rent, is my student loan payment. I have about $35,000 in student loans, which costs me $450 per month just to make the minimum payments. Other expenses like mobile phone, internet, and TV have gone down (45 EUR/month for my phone, versus the $80 I was paying in the states). Fortunately, a car is not necessary for me here, thanks to the ability to walk everywhere and the excellent public transit system. Saying goodbye to my car saves me the $55 I was paying for auto insurance, and the $70ish I’d pay for gas on a monthly basis.

Groceries here, to my surprise and delight, are often less expensive. Not everything, of course, but many of the foods we liked buying in the states that were considered “specialty” items are NBD groceries in Germany. In short? My rent went up, sure, but other expenses have gone down or been eliminated completely, so I feel like I’m able to achieve a fair financial balance.

5. What do you like about the culture of your city, and what has made it easy to acclimate?

I love nearly everything about Bavarian culture! The work-life balance is excellent, the food is delicious (see also: bakeries literally everywhere), the beer is plentiful, and the cities are beautiful. I was fortunate to visit Nuremberg several times before moving here and I never wanted to leave during any of those trips. The city sort of felt like “home” from my first visit, so I have not experienced any real feelings of shock or displacement. Even lacking advanced language skills at this point, I feel very comfortable here.

6. What is the biggest challenge your new culture presents? Did you experience “culture shock”?

Although I was already aware from prior visits, it still took a couple of weeks to get used to the lack of acceptance of credit cards. For a country as modern and progressive as Germany, one would certainly think that they could pay for most things with a card, but that’s not the case. Many places do not accept cards at all, and those who do often do not accept anything besides German EC (debit) cards. This includes IKEA, much to my dismay.

7. What obstacles did you face when moving abroad, and how did you deal with them?

Since we’d just purchased our house in South Carolina in late 2014, we didn’t want to turn around and sell it only a year later, so we decided to rent it out. We put it with a property management company to let professionals deal with finding qualified tenants and handling little issues as they arise. Professionally managed or not, it is still stressful to own property that strangers are living in.

Aside from that, the obstacles with this move were very much the same as with any other move. It always takes longer than you think it will, you always have more extraneous crap than you think you do, and moving-related expenses are always more than you anticipated. Moving sucks, there’s no way around it!

8. What advice do you have for someone looking to move to your city?

Make sure you narrow your apartment searches to include “Einbauküche,” otherwise you’re likely to be scrolling through a lovely array of photos only to wonder why the image of the kitchen appears to have been taken while the place was undergoing renovation. It seems a bit weird to Americans, as we are generally averse to putting even a dime of our own money into rental properties, but it’s very common in Germany for apartments to rent without fitted kitchens or even light fixtures. 

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9. What was the process like for acquiring a visa before moving? How much did it cost?

*Disclaimer: As I am married to an EU citizen, I do not have to jump through quite as many visa-related hoops as I might otherwise; and yes, I am thankful for this privilege!

U.S. citizens do not have to apply for a visa before moving to Germany. We have 90 days here by default, and you can apply for the visa once you’ve arrived. The first thing you do is register with the federal tax office to essentially say, “Hi, I’m living here now, great place you’ve got!” and then you can begin the quest to obtain a visa. I am in the midst of that process now, and just recently had an appointment with the Ausländerbehörde (immigration authority). I had to bring my passport, a new passport photo (and a dreadful one at that, ugh), my husband and his passport, our marriage certificate, and a fee of 28.80 EUR. It was quite painless, actually. I simply handed over my documents, waited for the surprisingly friendly man behind the desk to enter my information, gave digital fingerprints, and was advised that I could return on a date in early March to pick up my electronic residence permit.

Up next: Figuring out the best way to go about taking formal language courses. I’ve studied German on and off for a few years, so I do have an understanding of the basics, but I am very limited in my ability to respond verbally. 

10. Are there certain expenses in your country that surprised you?

So far I’ve only been pleasantly surprised by how far money will stretch!

Summer is an Oregonian-turned-South-Carolinian who recently moved to Germany. She works in the travel industry and enjoys adventures, beverages, and the internet. She’s on Instagram and Twitter.

  • April

    I’ve seen bits and pieces of Summer’s story in the comments sections; so happy to see her name on this article and read more!

    • Summer

      Wow, thank you! This totally made my day. 🙂

  • Charlotte

    This was very interesting to read! I moved from Germany to Scotland for university and while everything is so expensive I was pleasantly surprised that my deposit was only one month worth of rent. The lack of cards in Germany shocks me every time I visit home.

  • Hana

    A while back I noticed a pattern that many of my favorite comments on this site are written by Summer, and am delighted to see an article from her! I especially appreciate it as a fellow American living in Germany. The tendency to offer an apartment without a kitchen came as such a surprise upon moving here, but overall I am also pleased about how far money can stretch, especially with respect to food. Thanks for sharing!

    • Summer

      Thank you for the kind words! Where in Germany are you living?

      • Hana

        I’m in Cologne 🙂

  • Lauren

    Great information. Only one thing that was odd – why do you not share money with your husband?

    • Summer

      Hi Lauren! I’m just now seeing this question so I apologize for my extremely delayed response. My husband and I share money very informally. Our rent is debited automatically from his checking account, so I give him cash each month for my portion. When we make travel-related purchases, those generally go on my Venture card so we can accumulate points, and I deduct his share of those expenses from what I owe him towards rent. Utilities (and my mobile) are also debited from his checking account, and while I don’t give him cash for those expenses, I am responsible for groceries and household items. We generally take turns on who pays when we go out, though we don’t keep any running tabs. It’s not a perfect system by any means, but it works for us in terms of maintaining separate bank accounts. I make considerably less than he does, so I’m not keen on 100% sharing all resources. I don’t want to feel as though I have to ask permission before buying something, nor do I want to risk him feeling as though I’d be taking advantage of his additional income. Hope that answers your question!

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