I have moved to many countries, and some I did not know the language. Right now, I'm in Portugal where I will probably settle (unless climate change drives me out and Scotland once more belongs to the EU, then I will relocate back to Scotland.

I suppose, I have no interest in credit. I live very simply, don't see the need for a car (especially in Scotland which has such a good public transport system), and have paid everything cash for at least 15 years in multiple countries. And, no, I'm not rich. I've just learnt to do without.