Bulgarian Breakthrough

While on my coffee break, I visited the Bulgarian Wikipedia page for the town I’ll be living close to (6KM) away. I very painstakingly transliterated the Cyrillic Ябланица into Roman characters and got.. Yablanitsa. Exactly what my host calls the town.

Then, I got to the word География and I just knew it was “geography” because of the e,o, and recognising the final character, the backwards R, as being a “ya” sound. Again, I painstakingly transliterated it into Roman characters and got.. geografiya.

The switch finally went off in my brain! Now, I know that I just need to carry a Cyrillic alphabet cheat sheet so I can transliterate what I’m reading and, thanks to the number of English and French loan words in Bulgarian and words that tend to be mutually intelligible in many languages thanks to common Greek and Latin roots, I should be able to come up with something I vaguely understand. Yes, it will be a very slow process at the beginning, but once I master the Cyrillic alphabet, reading should go much more quickly.

I remember when this happened when I was learning Japanese hirigana characters and a whole portion of that language opened up to me. It’s rather exciting to have it happen with Bulgarian right before departure!

One Week Left Till I Leave Indefinitely

I can’t believe how quickly departure day is sneaking up on me!

Here’s an update on my giant to-do list:

Reducing Expenses Back Home While I’m Gone

I can cancel the registration on my truck and have very minimal insurance to cover me for liability. This new policy will be $50 for a year. Savings: $70 per month. I have to do this at the last minute, so it’ll happen on my last trip to town next Tuesday.

I can cancel my SaskTel service since my contract is up. When I come back, I can either get service again with them if I can do so without a contract or look at Bell Mobility. Savings: $80 per month, but I lose my phone number. I have to do this at the last minute, so it’ll happen once I clear security at the airport next Friday. By the way, SaskTel has no customer retention program.

SaskPower will let me disconnect my power for a $170 reconnection fee when I get home. I pay a $30.65 connection fee every month. So assuming I am gone 11 months, I would have paid them $337.15 in maintenance fees. Savings: $15 per month over 11 months. I will get a new account number. I have to make sure I reconnect before a year is up, otherwise my meter has to be recertified by an electrician, negating any savings. I was able to put in a work order for this for next Friday or the following Monday. I didn’t realise that a technician had to physically come here. I really like SaskPower, by the way. I never feel like I’m out in the middle of nowhere when I deal with them.

Finding Healthcare Coverage

I actually didn’t have to do much research on this because the options were so limited and others had done the homework before me. I bought a policy with World Nomads. For just over $400, I am insured up the wahzoo for six months. The caveat is that my SaskHealth coverage needs to be valid for my trip. I put in a notice of extended leave with SaskHealth and haven’t heard back yet, but I’m not concerned as they didn’t have an issue with my doing this for my first winter in Mexico. Ha! I got email confirmation seconds after I posted that my request was approved!

Ensuring That I Have Insurance Coverage for Home and My Personal Effects While Away

As it turned out, my home insurance covers me perfectly even with the addition of my outbuildings, the RV no longer moving, and my traveling for long periods of time. The only thing I changed was increasing the coverage on my buildings, which was an extra $0.50 per month. I cannot discuss my home insurance in any more detail.

I got a nasty surprise that my electronics are not covered by my home insurance while traveling because they are used for business. I have an broker working really hard to find me travel coverage. If he succeeds, the policy will be able what I am paying right now for SGI (truck insurance and registration).

Understanding the Schengen Area Rules

What this boils down to is I’m allowed up to 90 days in the Schengen Area in a 180-day period. The area comprises most of Western and Central Europe, as well as some Eastern European countries like Poland, but excludes the UK. Now that I know I’ll be in Bulgaria, which is not part of the Schengen Area, for my full allotment of 90 days there, I have a better handle on how I’ll handle the Schengen Area to make sure that I can be in Portugal and/or the south of Spain for the bulk of January, February, and March.

Option 1: I leave Bulgaria for a Schengen country for a quick holiday at the start of July to open up a 180-day period that would take me the start of January. This would give me the option of doing Schengen countries like Poland and Greece after Bulgaria. I don’t like this idea because I would have to reenter Bulgaria.

Option 2: I complete avoid the Schengen Area until January. After Bulgaria, I’ll likely go to Serbia and a couple of other countries in the Balkans that are not part of Schengen and then very carefully make my way to Turkey. And by very carefully, I mean that I’ll have to fly because I won’t have the land option of going through Bulgaria and I cannot fly through Athens. Or I may travel straight to Istanbul from Sofia and then fly from Istanbul to Belgrade.

Planning My Packing List and Doing a Lot of Online Shopping

That’s done. I am washing the last of the clothes that I am taking with me for sure and will start packing for real in the next couple of days as I make time to take some photos for my series of posts about my packing list. Now that I know I’ll be in the Bulgarian mountains for three months I’m not so much having to make any significant changes to my packing list as being more certain of what items I can add since I actually still have some room and weight allowance left.

Trying to Learn Even a Smidgen of Bulgarian and At Least Getting Used to the Sound of the Language

My internet is behaving better and I can listen to a few YouTube videos every night. I don’t feel I’m making any real progress, but at least it doesn’t sound like complete gibberish now and I’m starting to recognise some Cyrillic letters…

Making as Much Money Before I Go

Definitely happening. I picked up a new client last night that I am still reeling from shock at adding to my list. I’m not making super good money, but steady easy jobs are the next best thing. I’m not worried about work. My clients are very supportive about my Europe plans.

What I’m hoping for my three rentless months in Bulgaria is to have a comparable cost of living as I do in Mexico as that will enable me really replenish my savings. I expect that any savings I have on rent will be lost with weekend jaunts in the area, but I may be surprised. I do think that I’ll save money over being at Haven in that food will be much cheaper and I won’t have all those at home surprises in the budget that I’m sure other homeowners know about.

What I still need to do:

1. My 2015 taxes. I just can’t be bothered when I have so much work, so this will happen probably on Wednesday next week. Before anyone freaks out, I’m a sole proprietor, so I have till June 30th to file.

2. Make sure I’m satisfied the roof is leak free. I had a drip the other day after a bit storm, just a couple of drops, which was do disheartening when I’d gone through two solid days of rain with no leaks at all. I bought tarps that are just the width of Miranda and instead of strapping them down, they will be weighted down.

3. Close up Haven.

4. Advise the postmaster that I’m leaving again and that Caroline and Charles can handle my mail.

5. Make sure I have both physical and digital copies of all my important paperwork before stashing my printer (and a few other things) in C&C’s basement.

I believe that’s it, in addition to a few work and volunteer projects.

I’m ready to get out there, much as I’m enjoying being home. And I am incredibly grateful that I can do this now, three years ahead of when I planned to, and that the project doesn’t involve selling everything I own or putting things in storage.

All those tough early years of freelancing have paid off. I did have to make sacrifices, but I was right that it would be worth it if I just worked at it. I can’t wait to toast with a pint in London the fifth anniversary of the start of my transcription business!

Well, That’s Bulgaria Sorted…

One thing that I have learned in life is that things fall into place in their own time. There’s no use fretting about anything and if something feels huge and complicated and overwhelming and full of obstacles, it’s probably not the right thing to be doing. And I’ve also learned that if something falls into your lap that fits perfectly, it’s not “too good to be true,” it’s just meant to be.

An example of this happening in my life was when I moved to a rental house in Gatineau from my house in the Gatineau Hills. The “house” was more of a shack, a decrepit mobile house that was falling apart around me. No matter how much money I poured into it, something else would go wrong with it. The loan on it was paid off, so after signing the lease on the rental house, I decided that I would just leave my house keys on the counter and let the owner of the mobile home park have the place for storage.But  I still put an ad on an online classified ads site offering the house for sale in the hope of getting something for it. I was brutally honest about the condition of the house and that the owner of the mobile home park was difficult.

Well, in the days leading up to my move, many, many months after I posted the ad, I got an email reply to the ad from someone saying they wanted my house, what they wanted to pay for it, they had cash ready, and they were sure that giving the landlord a couple of years’ rent on the lot up front would smooth their relations. The transaction went through. One of my friends said about the situation, “Anyone else on the planet, I would have called bullshit. But because it’s you, I know it’s true.”

So with that said…

Shortly after I bought my ticket to London on Monday and paid for accommodation through to the 29th, I got an email through a house sitting website asking if I would be available to house and dog sit from July 1st through as long as I possibly can (which is just shy of 90 days according to Bulgarian rules).

I got a bit more info and this is a go!

So from London, I am flying straight to Sofia, where my host will pick me up and drive me to a small village in the mountains. I will be living there rent free in exchange for watching the house, walking the dogs twice a day, feeding the dogs and the cat, and doing some chores. I will have good internet for work and I will have the odd weekend “off” (ie. not responsible for the pets) so I can go off exploring if I want. The house is located near a village with basic shops, walking distance (6KM) to a larger community, and backs up to many mountain trails that I look forward to exploring with the dogs.

Internet should be “adequate.” It’s “not fast,” but is reliable and works perfectly for Skype and Netflixing. Um, that sounds fast to me..

Just… wow. 🙂

Knowing that I will have so few expenses for the next three months will really make it easy for me to enjoy my time in London!

After Bulgaria, who knows. But I’m sure something will come up by then!

Tuesday Was Memorable

Life at Haven tends to be rather idyllic. But the break-ins over the winter have really changed the atmosphere here, with doors getting locked even when folks are just wandering around the hamlet. My outbuildings are normally unlocked during the day when I’m here, but now I’m getting used to carrying my keys with me. It’s sad.

I awoke to lots of rain on Tuesday, which has turned to sleet today, Wednesday, a perfect day to power through the bit of work on my plate so that I could focus on looking for more today. I was making good inroads when the phone rang just shy of ten. “No number” came up on the display, but I still answered assuming it might be the RCMP calling me back. It was. I spoke to a kind-sounding constable who asked if he could come right down to Haven to take my statement about my attempted break-in. Yes, of course!

About 40 minutes later, the phone rang again. Wow, twice in one day. That has to be a record. It was Scotiabank doing a “courtesy call,” wanting to know how I like my account (a lot), more about my business, and curious about whether I’d consider changing to them as my main bank (not a chance in hell). It was a pleasant conversation and I didn’t mind answering the questions because most of my products are with CIBC right now and it would be good to have a backup. For example, if Scotiabank were to offer me a a credit card, might as well take it. Also, the woman wasn’t trying to sell me anything or convince me to move to Scotiabank. I was about to tell her I had to cut the conversation short as I was expecting a “visitor,” but, thankfully, she kept the call short.

Minutes after I rang off with her, there came a knock at my door. I checked that it was the constable and let him in. I’ve transcribed I don’t know how many statements over the years, so I knew the drill and he noticed that. He offered me victim counseling services (I’m not traumatised, so let’s leave the stretched thin resources to folks who need them) and to provide a victim impact statement. I accepted that because I knew that absolutely nothing was going to happen regarding my own break-in so I wanted something in her file about how she has destroyed the fabric of our community. The constable discovered he didn’t have the form on him but said he would “pick up” my neighbour and when he came back in a few hours to drop her off, he’d bring a form for me. I could then fill out the form and bring it into the detachment next time I was in town. Well, I hadn’t planned to be in town for a bit, so I’ll be doing a special trip for that as soon as the weather clears. Since I’m going through propane for heating, I’ll pretend it’s a propane filling trip not a “my neighbour sucks and is making me waste gas” trip. 🙂

He was back mid-afternoon and said that she denied everything, including stealing a pallet from my property, for which there was an eye witness. Unfortunately, rain destroyed any chance we might have had for fingerprints, which were a long shot anyway since the way the door is damaged makes it look like it was only touched with a tool. There’s no witness. The constable said that he knows she’s lying and that she did it, but he can’t do anything. He seemed incredibly relieved to be dealing with someone who knows the system and wasn’t expecting a miracle. I said to him that what I wanted to accomplish was done — she knows I won’t take her bullshit lying down. Apparently, she broke into some other neighbours’ places and they forgave her since she’s “sick.” Maybe she thought that would happen with me. Not a chance. The constable did say she is willing to take a polygraph, to his immense surprise. That’s not admissible in court, but sometimes the truth can come out in other ways that are admissible. He was surprised that I knew all of that. What can I say, I’ve transcribed the odd polygraph interview too.

I thanked him for his time and then came in to keep working since an unexpected job for Wednesday came in from a client I normally only work on weekends for.

And then, another email came in that really brightened my day.

There is a transcription firm I’ve wanted to work for since I started doing this five years ago. I had a chance to interview for them around that time and was deemed to need more experience. Just before I left Mexico, they emailed to give me a chance to interview again. Just like that, out of the blue. I did the test and then didn’t hear anything back… until yesterday. Soon as I get through my current workload, I’ll start with this new company on a probationary period. Too soon for exclamation marks, but I’m rather chuffed. They are another firm like an existing client of mine who would have as much work for me as I want as long as I meet their standards. I’ve had a run of bad luck with clients this year and I hope the tide is turning. We’ll see how the month goes with them. I’ll feel more comfortable leaving for Bulgaria if I feel I’m solidly in place with them.

The only progress I’ve made on Bulgaria is I’ve set up a price alert for airfare. Soon as I get something around 800CAD all-in (which I saw come up periodically over the winter) at the end of June or sometime in July, I’m buying a ticket. I haven’t decided yet where I want to settle in Bulgaria, but I’m narrowing it down based on the best places in the country to hike. I’ve been reading a lot about hiking in Bulgaria and am getting really excited about getting there!

So that was my Tuesday at Haven. Wednesday is starting off cold and snowy. Pretty strange after landing in summer weather! But things should start clearing up this afternoon and we’ll be back into the 20s by the weekend.

It’s still good to be home. 😀

A Life By Design

I tend to present my projects as faits accomplis, done deals, except to a chosen few who are cursed with hearing all the details about a plan. I’m not sure why I do it that way. Fear of failure, perhaps? Fear that if I bring my project into the light of day, the universe will strike me down for my pride and put stumbling blocks in my path? Who knows.

There’s a lot going on with me right now that I think I need to share because I have chosen to put my life out there with this blog. I know that I sometimes appeared scattered, jumping from one idea to the next, but I actually do have a plan for my life and it is coming together behind the scenes. I think it’s time to draw the curtain. When things come together for me, they tend to do so very, very quickly and I don’t want to feel that I need to explain myself with any future moves.

I’ll start off by saying that I have always known what I wanted to do with my life: see the world. Travel has always been the constant yearning and everything else has been but a balm on an itch. Science has proven that there is such thing as a wanderlust gene. If you look at my family tree on my mother’s father’s side, you will see the names of some of the greatest explorers in Canadian history. I am hardcoded for wanderlust. It truly is a biological imperative.

It took me a very long time to figure out how to see the world. I can’t count the number of hours I’ve spent tallying up how to pay the rent and the bills and maintain a certain lifestyle while saving up to take two or maybe three weeks, if I was lucky, to go exploring. I took a few trips, most notably to Scotland in 1998, and the more I traveled, the worse my urge became. It actually helped somewhat to not travel and focus on the half of me that is a stereotypical 1950s homemaker.

But then, the door to travel opened for me after my dad died and somehow, with a courage I did not know I had, I stepped into the unknown. Followed some of the most amazing years I will ever have as I traveled the continent on a super tight budget, seeing more of it than I could have ever dreamed of doing on four, even five times the annual income. I thought RVing could be It for me, the way to soothe my wanderlust forever, but, like an addict, I needed a bigger and bigger fix. After just about completing my Canadian and U.S. bucket lists, Mexico beckoned, but was just out of reach.

I thought that spending a few more winters in the U.S. while I continued to get my financial footing before going to Mexico would suit me, so the next logical step in my life was to get a home base. Some permanent travelers have friends or family they can always return to and where they are nearly indefinitely welcome, but that wasn’t the case for me. I had to find my own Haven, and I did. I think I knew deep down as I signed the property transfer papers that my RVing life was winding down, but it took those final two cross-continent journeys to prove it to me. I had an amazing final winter on the road, but the journey to a place I wasn’t even sure I wanted to go was fraught with difficulty… and wonderful encounters with generous people.

I was afraid when I landed here in the spring of 2013, afraid that this was going to be It for me because I couldn’t see a way past being here, and that fear mounted as my summer stretched into a winter and then a second summer. I was financially and emotionally at one of the lowest points in my life and so very weary, but this place renewed me. I knew that I finally had a well of infinite energy from which I could draw, that no matter where my life took me, I could return to this place and emerge renewed.

And sure enough, from my time here, where I could focus on monetary matters, the future became a little clearer. I got the contract that gave me the courage to head for Mexico, and we all know how that turned out (for those who haven’t be reading, Mexico was an amazing fit for me!). That contract did not pan out, so I was left in Mexico with just the contracts I’d had before, which I would never have thought would be enough to sustain me in so bold an endeavour, but I did just fine.

I figured out very early in my RVing life that working for myself was going to be the key to my freedom to see the world and there were a lot of false starts as I figured out what I could do from the road and find enough work to support myself. By the time that big contract came in late February of 2014, I was at my limits. If a big break didn’t come, I was ready to give up and get a job. So while the contract didn’t work out, it came at just the right moment, buying me enough time to get to Mexico and realise that I wasn’t ready to give up all my temporal freedom for the sake of a full-time job. I did consider a part-time summer job in Saskatchewan, however, and that’s rather the mindset I had on my way home last spring. But I’d built up enough of a buffer in Mexico that the urge didn’t feel as pressing as it had a few months prior. I knew I wouldn’t have many distractions this summer and that I could focus on getting better paying work.

Things came together for me as they always do when the time and place are right and my dream job fell into my lap. I still don’t want to say too much about it, but I am working for a company whose founder had the same dreams for his life as I do for mine, and fulfilled them, and so I know that I can always fall back on that if an immediate supervisor who doesn’t understand my lifestyle gives me grief when asking for a modicum of flexibility. In fact, much of what I proofread is relevant to the next step in my life journey and is helping me prepare for it. If that is not proof that I am firmly on my Path, I don’t know what is!

Let me backtrack a bit here to reiterate that when I bought my property, I expected it to eventually be a place I could retire to. I envisioned my future with the resources I had then. I don’t play the ‘if I win the lottery’ game, but plan with what I have and remain flexible if things change.

Well, everything has changed for me this summer because of this new client. I’m really pleased that I pushed the internet thing through as far as I did because it not panning it out was just the kick in the seat that I needed to stop clinging to old ideas I had about my future when so many doors have opened up to me. It’s a really surreal. I feel like I won the lottery without having realised that I was playing all along.

It was only seven years and three months ago that my old financial planner told me to go out into the world and play. He warned me that I would have years of misery as I built my new life, but that he was convinced that I would do better for myself financially than I ever could working my 35 years for the government and that I’d have a life to show for it all. He was absolutely right.

Why remain here in a (beautiful and wonderful!) Canadian backwater when I can work from anywhere? I am too young to be here puttering around and working myself to the bone. My second Mexican winter is upon me (in fact, I will be arriving this day in two months!) and it will be glorious, with all that extra free time and money available to me.

But what of next summer?

Even though my internet situation is greatly improved (and due to be blogged about), the severance has been made. I love this place and it will always be here for me, but it has played its role for the time being. I’m going Somewhere Else for most of the next summer. I need good internet, a time zone difference compatible with work, a super cheap cost of living, and a stable enough political situation. The answer is a country so far off my radar that I didn’t even know where it’s located until I pulled out a map! So here is my first big public announcement after all that bla bla bla: I intend to spend 90 days next summer in Bulgaria.

A decision like that always leads to new discoveries as I do research. Bulgaria is part of the Schengen Agreement, which comprises most European countries. Ninety days would be barely enough to see all of Bulgaria; what if I wanted to stay in Europe instead of coming back to North American so I could try another country? This question led me to the jackpot.

The gold standard in passports is to have one from the European Union. It opens up the entire European continent and all its benefits. It is also very difficult to get one unless you work in a specialized field or marry a national. I have tried for 20 years to figure out how to get myself a European passport short of marrying someone and the answer fell into my lap today. Just like that. It was one of those lightning bolt moments that makes me understand some of the trials I’ve been put through as it makes sense of a lot of my pondering.

Some European countries, like Spain, have a permanent residency scheme and path to citizenship for freelancers, folks with independent income from outside Europe… Of course, there’s a lot of red tape and it’s never as simple as it looks on a website, but the short of it is, you move to Spain as a freelancer, get your permanent residency, and then ten years later, sooner if you meet certain criteria, you become a citizen.

I could do that!

But here is where things get a little interesting. If you are a citizen of a Spanish-speaking country, you can get your Spanish citizenship in about two years rather than ten.

It takes about five years to get Mexican citizenship. On paper, it looks like I could get both Mexican and Spanish citizenship in less time than it would take to get just Spanish. Of course, I’m sure I will encounter tripwires with this idea/plan, but it’s one worth exploring. So discovering that I could get a European passport doesn’t derail at all my plan to get Mexican citizenship.

So from where I’m sitting tonight, with the resources currently available to me, I see myself back at Haven for about three months next year, as bookends to my Bulgaria trip, and then off to Mexico for as long as it takes to get my citizenship. It could mean being in Canada well into the winter as a good part of the permanent resident visa process must be done from your home country. But with the nearest consulate being in Calgary, I’d probably just get a short-term rental there while I deal with the paperwork so I wouldn’t be living in an RV in -40 weather again.

Once I have my Mexican citizenship, the next step would be to move to Spain and repeat the process there. And then? Who knows… I’ll be nearing 50 by then and could, in theory, retire at 55, especially if I choose to base myself in a country with a low cost of living, like Mexico. That will be the beauty of having all these citizenships, that I won’t have to base myself somewhere that I’d have to pay usurious taxes, which eliminates Canada and most of the European Union.

But Haven will always be here. I like the idea of finishing up enough work to have a rentable property here, just for a bit of added income, especially if the oil comes, as we suspect it will. I will always have this port of call in between projects. For instance, if I find that I can’t get everything aligned to go to Mexico right away, it won’t cost me much money to wait here, and the same for going to Europe. I am aware that I need to figure out a modicum of property management while I’m gone, however.

Some or none of this may come to pass. But many more possibilities exist where fewer were before. And long-term blog readers will remember that I talked about RVing till I was about 40 and then taking off to see the rest of the world. So rather than shaking your head at me with my grand ideas, take note that I’m four years ahead of where I thought I’d be… and I have a paid for property, not something I had factored into those dreams. When I want something, I make it happen. So don’t be so surprised next year if I do end up blogging from Sofia!

This was post was edited on November 4th, 2016, to add categories and tags. I am just grinning as I reread it, having come from four months in the Balkans, including 90 days in Bulgaria. I do talk big… but I get things done. 🙂