Hi Jill
We're hoping to go on a 495 temporary visa and I have the same worries as you as we will be much worse off financially. I also worry about the medical side of things, the extra insurance like ambulance cover, etc. Also, having got there, as you say, we then have to apply again for permanent residence, I only hope it's not as complicated and drawn out as trying to get the 495. The 495 is our only route really as we did not have enough points for a permanent visa due to our ages. We have two children (9) and (11) so will be into school costs too. I do think though that although I know it won't be easy, the alternative of staying in the UK is not a very appealing option. It is a worry giving up a good job to almost start from scratch again but it is worth giving it a go, people keep saying to me "well, you can always come back if you don't like it" and that is true but I don't think so! I think that really the two
years will probably fly by and I think maybe it is easier to be poor in the sun (but I may be wrong).
Best of luck!
Bic