Can you really save £2,783 a month by moving abroad?
A British family’s decision to sell their UK home and relocate to Bali has reignited the conversation about whether moving abroad can offer genuine financial relief from the UK’s high cost of living.
Joseph and Rebecca Oxley, along with their three children, sold their Derbyshire property for £390,000 in October 2025 and moved to Indonesia in February 2026. They now claim to spend just £1,760 monthly on all expenses—including rent for a villa with a pool—compared to £4,543 in the UK. That’s a saving of £2,783 every month, or roughly £33,400 a year.
What this really means for your finances
The Oxleys’ story illustrates how dramatically lower living costs can stretch money further overseas. However, it’s important to understand what they’re comparing. Their UK expenses included a mortgage or rent, council tax, energy bills, and childcare costs. In Bali, they’re renting privately at a fraction of UK property prices, and everyday essentials like food and utilities cost significantly less.
If you’re considering a similar move, the maths can genuinely add up—but there are real considerations. You’ll need to think about visa requirements, healthcare costs (though many expats find private insurance affordable), currency fluctuations, and how you’ll earn money. The Oxleys benefit from Joseph’s self-employed work, which he can do remotely from anywhere with internet.
Before you book your flight
Moving abroad isn’t a quick financial fix. You’ll need savings to cover relocation costs, establish yourself in a new country, and handle unexpected expenses. Tax obligations also matter—British citizens are typically liable for UK tax on worldwide income, so speak to a tax advisor before you go.
The Oxleys’ story is inspiring, but it worked for them because they had a substantial property sale to fund the move and flexible work. If you’re seriously considering relocating, start by researching visa options, speaking to an expat financial advisor, and testing the waters with extended holidays first.