I was thrilled to be featured in January as an Amazing Over Fifty on the LovingTheFiftySomething website – all too often when I’ve idly searched online for ‘over fifty‘ the links that come up show groups of impressively-preserved people demurely sipping tea and talking about how nice it is to be in the still waters following the white-water rapids of life. The women have abundant silvery hair in perfect chignons and the men are smiling to show their remarkable teeth and you’d be proud, honestly, to have them as grandparents but they didn’t seem people who would like or welcome scatty disorganized erratic types like me. LovingTheFiftySomething features – well, not necessarily erratic types! – but those still riding the rapids and refusing to be relegated to the sidelines. YES.
Anyway, in my scatty disorganized erratic way I’ve been taking lots and lots of advice on this whole living-in-Spain thing. It really doesn’t help that the 3 professionals I’ve spoken to had strong opinions on my only sensible route, but were touting 3 separate routes. Chris, who had sorted the car out, said firmly my best option was to become autonoma – self employed. I would file an annual tax return, I would go instantly onto the Social so be covered by the Health service, and residency would be guaranteed trouble-free, and rubber-stamped by the local policia without a murmur. However, he was away when it came time to do my end-of-year tax payment as a home-owner, and sent me to Ana, in a town about 40 miles away, who specializes in all things tax and legal generally. Ana was absolutely wonderful, drew up my tax document promptly and patiently answered lots of questions, but she felt autonoma was an expensive option for me. The problem was that I would have to pay all my taxes in Spain, on my international income, and while in the UK tax only applies after the first 12K, or thereabouts, in Spain the tax-free window is not only 6K, but once you cross that, you pay tax on the entire amount. Plus the Social, although for new registrations is only 50 euros a month, goes up steadily over 2 years until you are paying the whole 275 euros a month, and that’s a lot of money for someone like me who will never reap the long-term benefits of a Spanish pension – you have to have been paying in for 15 years. Better, she said, to go for Residency. I would need to prove a stable monthly income sufficient to support me, and take out a comprehensive medical aid, and then – Bob’s your uncle.
Comprehensive medical aids are surprisingly expensive once you are no longer in the first flush of youth. At a party I asked some friends what they did, and who they used, and they recommended Nina, right here in Motril. Since I knew I had to pay tax on my rental income from the house by the end of January, I went to Nina instead of trekking the 40 miles back to Ana. She said firmly that until we know exactly what is happening with Brexit (anyone else sick of that word?) I should remain a non-resident home-owner, pay my taxes (19%) on my rental income 4 times a year, and if Brexit brings in visa requirements which mean I have to leave the country 2 or 4 times a year, well, then we look at other options. So I have paid my taxes and have bought a little time to think through my options.
A surprising number of ex-pats are still unregistered, some scrambling a bit nervously now to become official residents, others waiting to see what will happen.
My Spanish vocabulario grows by the day – I am busy on a book with the working title Pidgin Spanish (based on a family called Pidgin who moved to Spain) which includes all the TEFL tricks of learning a second language, mini situational stories with handy dialogue, numbers for counting / telephones / the date / making appointments: the Spanish alphabet for spelling out your name and address: the rudimentary basics for linguistically-challenged types (ie me) to get by. I’m truly rubbish at languages – I spent 12 years in school in South Africa without ever mastering Afrikaans, which back then was the country’s second official language – but little by little the Spanish I need is being nailed into place. I can read documents, make myself understood with less wild mime, and every encounter navigated successfully is a joyful little oooh. It may never be published – how many others are there who simply can’t conjugate verbs efficiently, after all? – but it’s helping me no end. Roll on 2019, I’m braced for impact.