Living the Dream – Time Speeds Up

I feel time speeding up as I live my dream in Portugal. Part of that dream included more traveling now that I have easier access to European destinations, reading more books, taking more walks.

And then there are my general retirement goals of more time for genealogy research and posting my research to Cherokee Roots blog. Plus, staying in contact with all of the extended family relationships I have discovered with my genealogy research and following up on our shared leads.

There is at least one story in me pressing to become a book, the story of my grandmother’s life. So much other writing I intended to do during this time, including posting more often to this blog!

For today, I am going to post photos from some of the travel that has kept me busy the last two months.

One follow-up note to my previous post before the photos – I was granted non-habitual resident status and am now searching for a local accountant to assist in filing my Portugal tax form this month. Starting to feel anxious about that as I am having trouble finding someone. More about that next month after I have hopefully filed my tax form for Portugal!

Now for the photos –


St. James Park – London




Walking Food Tour – Milan


The Medina – Tangier


Malaga – Spain


Mercado – Funchal, Madeira


The Ritz – London


Tea in the Georgian Room – Harrods, London

Non-Habitual Resident Status and Taxes

In my last post I mentioned that I would be consulting with an accountant about filing taxes in Portugal. The news was all good. However, I did become aware of another step that I need to take in order to not pay income tax in Portugal.

I have until March 31 of the year following the year in which I obtained my Temporary Resident status to file as a non-habitual resident. It is a simple online process to apply, followed up by submitting proof electronically or by mail that I am currently paying taxes in the country of which I am a citizen. So what does that mean for my tax obligations here in Portugal?

Once my status is granted I will need to file a report online showing that I am still residing in Portugal and that I am still paying taxes in the country from which my income originates.

Certain types of income are allowed to be exempt and others are capped at a 20% tax rate. Here is the abbreviated version of how tax obligation is applied if have non-habitual resident status.

  • For a period of 10 years, taxation related to IRS (personal income tax) on labour income in Portugal is at a fixed rate of 20%
  • No double taxation for pension incomes or for employment and self-employment income obtained abroad for a period of 10 years

I will still need to file a tax return each year in Portugal, with no payment due, and I will also need to update my non-habitual resident status annually for 10 years. Then, a new set of rules regarding citizenship and taxes will apply. I am not going to worry about that yet!

For more information


The Dream Continues


Portuguese Resident Permit


SEF Office in Portimao

On November 29th I arrived at the SEF Office in Portimao anxious, yet confident that I had everything that I needed to complete my application for a Portuguese Resident Permit.

I arrived earlier than my appointed time and received a number for the order in which I would be seen. The process was easier and less stressful than I had anticipated. I first met with a person who reviewed my file and handed many papers back to me that I did not need (I had decided to bring anything that they might ask for!).

He then took digital fingerprints of both index fingers and took a digital photo, similar to a passport photo. Next I placed a digital signature under my photo. He asked me to correct one item on my cover sheet and then to wait to be seen by the person who would finalize my permit. I spent about 10 minutes at this first desk.

After a 15 minute wait I was seated in front of a woman. She first scanned my paperwork. All of the paperwork that you bring in is returned to you. After clarifying a few items I was asked for the fee (as of this writing 159,70 Euros). The woman who was assisting me printed out a receipt and a one page temporary permit before telling me my Resident Permit card would arrive in the mail in about a week.

The entire process in SEF once my number was called took about one hour.

I walked out, smile on my face, and had a celebratory lunch while waiting for my bus to Praia da Luz.


Ham and Cheese Omelette, Fries and a Salad – 5 Euros!

A bus ride home and I was gazing at the cloudless sky and deep blue ocean in Praia da Luz.


View from Promenade – Praia da Luz


Coming soon – content list of packet for Resident Permit Application for retirees. The requirements vary some depending on the type of Resident status for which you are applying. I will also be posting information on various health insurance options. Having health insurance that covers you in Portugal is one of the requirements for any kind of Resident Permit.

Continuing to live the dream in Portugal….


First Day of Living my Dream

Balcony View

View from Balcony

It was hard to believe when I woke up the first day that it was finally the start of my life in Portugal. I filled it with walks along the promenade, breakfast at a beachside cafe and taking walks with my son and grandson who had joined me for my first few days here.

Promenade Praia da Luz Beach

Strolling the promenade in Praia da Luz

Having been in Praia da Luz many times before, I immediately felt at home. My condo, although temporary for two months, was easy to settle in to, and the view from my balcony is the stuff of travel brochures and PR releases!