Re: Moving down to Anywhere in the Malaga area for good help
 

My accountant/gestor costs 60 Euros per month.

You might get away with a little less rent.

Re: Moving down to Anywhere in the Malaga area for good help
 

I would come over, rent for three months and look around. You've got at least three months before you have to apply for autonomo and the other things. And, if possible, I would leave things in the UK as they are until you are sure about Spain. A three-month holiday isn't that unusual nowadays.

Re: Moving down to Anywhere in the Malaga area for good help
 

Oh well, yes, I am sure I have missed things off too, but I cant think of it either, it is probably so obvious that we cant see the wood for the trees.:unsure:

Even if we calculated 50 euro either way, it still would be nigh on impossible to manage on the money involved, and that is presuming that the 1000euros is reached each and every month.

If there was a slack month now and again, it would be impossible to get back on track financially.

Re: Moving down to Anywhere in the Malaga area for good help
 

I have not added in any extras that come about periodically like, dentist visits, and probably new glasses, as in specs, any prescriptions that have to be paid for, haircuts, car repairs.

They all add up of a year or two, and if there is a big repair on the car, that would send everythinkg over the edge.

All in all not a good position to be in.

Re: Moving down to Anywhere in the Malaga area for good help
 

Hi there I only wrote 1000 euros as a guide , I dont have a clue what \i would earn down there, but need to d osomething because the Uk is nit the place it use to be, and being in my late 50s I know its time for a change.

I would guess I should make around a couple of k, but looking at some of the post about the postal costs , and the cost of this and that, its hard to know whats what.

Im a disabled guy and need to live in a warmer inviro, hence wishing to live somewhere in the costa del sol.

I see rents for fincas for 214 euros.

Is it possble to come down rent for 3 months and then set myself up for self employment, if so what forms with regards to that do \i do. and do \i still need to reg for the insurance numevr at local police station where \i would be living.

If I took the plunge, I was told that theres a form or tax tha that i could fill out that allows me to pay my tax at the end of the year or yearly, is this correct and which one is it, also I would not wish to charge vat on any of the secondhand goods that I sell, so can I not have to reg for vat

Thanks for any pointers best regards

Re: Moving down to Anywhere in the Malaga area for good help
 

Hi if I did come down for 3 months to see how things work, would I have to apply for the insurance at the police station still at that time, or fill in any forms for tax.

My main question is, I see there are 3 types of tax return forms that I could choose from, the one that sounds good to me, is the one tha tyou fill in at the end of the year and then send in, which one is this, and do the tax office then bill for tax.

Re: Moving down to Anywhere in the Malaga area for good help
 

Do you have to give up your DLA as according to this site you should still be able to get it: DLA (apart from the mobility component) is exportable if you´re currently living in the UK and wish to take it with you to Spain;

Re: Moving down to Anywhere in the Malaga area for good help
 

Hi I will look into it, but if \i could keep it, it would help, in the Uk work from home selling old records and vhs tapes on the web.

My main question is, when I comedown I was told theres a tax for mthat I can fill in that allows me to send in my yearley return, and the n be assed for what tax I owe at the end of the year based on those fiqures, is this correct, and if so whats that form called. That would help me a great lot.

I feel that it dont sound right if I have to pay my tax before I even know my self what im going to be earning!! that would be a recipe for disaster.

Re: Moving down to Anywhere in the Malaga area for good help
 

It's quite complicated to be self-employed in Spain, but when you register for their equivalent of our NI it's done at the social security office, the foreigners office of the appropriate police station deal with residencia and NIE number, the town hall deal with the padron, and tax is dealt with by the tax office (Hacienda).

The big problems is the NI because you will have to pay something like 250 Euros a month, even if you don't earn anything.

You don't have to attend to anything while you're on your holiday, but ask around your local expats who may explain things differently to a forum like this, we have certain restraints on a public forum and if we suggest anything obviously illegal, then that would be silly and soon noticed by the moderators.

But there's also a need for common sense - many expats working as painters, electricians, builders etc etc, don't pay NI (they couldn't afford to), don't issue VAT receipts, and probably don't know where the hacienda office is.

Re: Moving down to Anywhere in the Malaga area for good help
 

There may be "fincas" to rent, but then you may have the problem of wether you can have a landline for internet etc.

A lot of them are no more that glorified huts, often with a septic tank for sewage.

If you are thinking of moving to the middle of nowhere just for the cheapness then that could be a big mistake, from the extra travelling cost involved into town, extra heating, as a lot of the more inland regions are colder in winter, and it may not be for you at all.

Re: Moving down to Anywhere in the Malaga area for good help
 

Very good points. A finca to rent for that amount is likely to be pretty remote, and you would have to make frequent trips to the nearest Post Office given the nature of your business, which might involve a long round trip each time. As fuel is now so expensive, that would have a big impact on your budget.

Also, for someone with a disability living in a remote spot might be problematic. What would happen regarding getting supplies in, or getting to medical appointments, if you were unable to drive for a time?

Such properties are nearly always accessed by private tracks, often pretty long ones, and it is not uncommon for them to be rendered impassable due to bad weather in the winter, when they can literally be washed away. If that were to happen you could be stuck for weeks.

Sorry to be so negative, but it does no good to gloss over the harsh realities of life. It would not be helpful in the long run if everyone were to say oh yes, go for it, and then you were to find yourself worse off than you are now.

Re: Moving down to Anywhere in the Malaga area for good help
 

This is from my experience and may, hopefully, be of help to you. (For the record, I'm a 58 year old female)

I continue to claim both Disability living Allowance (the care component) and incapacity benefit since moving out here 5 years ago. It was relatively easy to do both and the DWP are very helpful in setting it up. It means that I have an income that frees me from worrying about how I will survive.

For incapacity benefit, contact
The Pension Service
Tyneview Park
Incapacity Benefits
Newcastle upon Tyne NE98 1BA

Telephone (0191) 21 87107


For DLA, contact
Exportability Team
B201 Warbreck House
Warbreck Hill Road
Blackpool FY2 0YE

Telephone 08457 123456

When you move, the Pension service will also send you the forms E121 which provide, once you are registered with the Spanish authorities, entitlement to care under the Spanish health system - so freeing you from the worry of having to take out private health insurance.

Maybe if you were able to export these benefits - and also look into exporting the carer's allowance - it will provide enough for you to live on until you have time to assess your other options.

As for rent and car boot sales - I know of apartments and houses for rent very cheaply where the owners have had to return to the UK and are unable to sell them so are happy to have some money coming in to cover costs. The advantage of living in a village is access to amenities such as post office, shops, medical centre. public transport etc.

There is a large car boot sale every Sunday morning in Nerja. A weekly Friday one at Puente Don Manuel, a monthly one at Lake Vinuela and several others in this area.

Hope all this is of help and I wish you luck :)

Re: Moving down to Anywhere in the Malaga area for good help
 

It is not negative, it is a very good post.:thumbup:

Re: Moving down to Anywhere in the Malaga area for good help
 

It would appear that nothing has changed as yet but it's probably best to apply sooner rather than later in case things do change. As I said, I found the staff at the pension centre in Newcastle to be very helpful.

I just found this link also http://www.benefitsnow.co.uk/export/index.asp
The OP should be aware of this point as he would no longer be entitled to claim the benefit!

--------------------------------------------------------------------------------------
Refusing or stopping payment

Payment of any of the three benefits will cease if:
•your entitlement to the pension ends or;
• your National Insurance cover ends or;
•if you become eligible for a sickness benefit in the country you have moved to, or;
• if you start work in another European Economic Area state as either an employed or self-employed person and are thus provided with insurance for a sickness benefit or;
• if you start to receive an old age or invalidity benefit from your state of residence.

Re: Moving down to Anywhere in the Malaga area for good help
 

In my opinion it is always wise to do the research first but you can over do it. As you are planning to move out the beginning of next year all the rules and regulations are open to change.

Depending on how your disability effects you and how bad it is you have to be honest with yourself as to your ability. If your looking at selling records etc at carboots and private markets you will have all the lugging about and they can be weighty, you have tables and such so assess your own health state and whether it would benefit you or hinder you. It is no good moving to better weather then suffer because you overdo other things.

Take a good look at what side of Malaga you want, See which one has more of your core target market, who are your core target market, how much you will charge for them as unlike the UK people I have found that people want something for nothing and do not always take into account other factors.

As has been said before take a holiday, rent an apartment and take a good look round, you can get a decent finca for 400/500e if you look around and they are not in the middle of nowhere. visit as many of the markets/carboots as you can so factor in hiring a car for at least some of your holiday or drive over. If you can not come for a long period take lots of odd weeks this may cost you more but you REALLY need to check that what your doing is right for you and your family not just because the weather is nice.

If after it all you decide that the risk is worth it always have a enough in the bank to return to the UK just in case.