7 basic things to think about if you’re considering migrating to Ghana

You’ve heard the success stories; you’ve seen the beautiful houses, the land, and the apartments. You want to enjoy the sun on your back and the food. But let’s get out of holiday mode and be serious for a few minutes. Migrating to another country is not always as simple as it seems.

Many have moved on a whim, driven by the excitement of “Detty December” or the great time seen online, only to have heartbreaking, financially devastating experiences that forced them to return home—or worse, left them stranded.

Before you make the leap, here are seven crucial things you need to think about.

1. Financial Cushion: Reality vs. Holiday Mode Spending

When you are on holiday, you are spending “holiday money” with a “holiday mindset.” That mindset does not stack up against reality.

The True Cost of Living and the Year’s Buffer

Many underestimate how quickly money disappears in Ghana. While the cedi-to-dollar exchange rate looks favorable, many goods are imported, driving up the cost of maintaining a middle-class lifestyle.

“I usually suggest that you have at least a Year’s amount of money to live before you make the move… it is very easy to just spend, spend, spend, spend before you know it your money is gone and then you are stuck.”

 Warning: One individual thought she could move to Ghana with two children and just $3,000 saved. This is extremely dangerous. You need a significant buffer to weather the transition period and unexpected expenses.

2. Legal Requirements: Residency Takes Time

You must ensure you meet the legal requirements, including obtaining the necessary visa and residency permits.

Understanding Immigration and Citizenship

Don’t be misled by news reports of hundreds of people receiving citizenship at once; these are usually presidential executive orders.

• Residency First: You must first live in Ghana, renewing your visa, before you can apply for residency.

• Proving Your Status: To apply for residency, you must prove where you’re living (landlord information), and show you are working or doing business (with relevant certifications). You must demonstrate how you will impact the country.

• Citizenship Reality: “Normally, it can take up to 8 years for people to get citizenship in Ghana and you have to be living in the country for that period of time.”

3. Housing: Secure Reliable Accommodation (Upfront Rent Shock)

You will need to research the cost and availability of housing. However, the system for securing rent is dramatically different from the West.

The Upfront Rent Reality

“You’re used to paying maybe two months rent upfront… but here in Ghana, they ask for a year minimum upfront… I even know some people who’ve paid 5 years rent upfront.”

• The Law vs. Practice: Though Ghanaian law states landlords should only ask for 6 months upfront, many still demand 1 to 5 years. You must have a large chunk of cash ready just for rent.

• Research the Location: Use your initial visit to explore neighborhoods. Something that looked central online might be far from the activities you want to be involved in. Get to know the lay of the land to decide if you want a diaspora-friendly apartment or a rental home.

• Vet Agents: Take your time to research and vet all sales agents and real estate companies, as stories of people being taken advantage of are common.

4. Employment Opportunities: Do Your Research and Plan

The job market in Ghana can be competitive. It’s important to have a clear understanding of the skills and qualifications that are in demand.

The Importance of Planning Your Income Stream

“Do your research before you come. Know exactly what it is you want to do. Why is it that you want to make the move?”

• Entrepreneurship: If you plan to start a business, research what people truly need there, or what is needed abroad that Ghana can supply.

• Don’t Rush the Emotion: Don’t make a quick move based purely on the emotional excitement of things like “Detty December” appearances. People are working, and businesses are running 365 days a year.

5. Social Network: Relationship is Everything

Building a social network in Ghana is crucial for your well-being and sense of community.

The Power of Networking

In Ghana, relationship is everything. Ghanaians have strong bonds based on school affiliations (“schoolmate”) that help them connect professionally and socially. If you don’t have that network, you must build one.

• Join Associations: Look at joining organizations like the African-American Association of Ghana, Ghana Caribbean Association, or other diaspora coalitions. Many have WhatsApp platforms for communication and support.

• Industry Focus: If you are starting a tech business, look for local tech conferences and industry events to introduce yourself and build relationships.

• Use Existing Groups: Look up and join groups such as Migration 2 Ghana, as they organize events to help people build up their understanding and connections.

6. Cultural Adjustment: Prepare for Culture Shock

Ghana has a unique culture and way of life. It’s important to be open-minded and willing to adapt. Even people born in Ghana and raised abroad often experience some culture shock.

Key Cultural Practices

• Greeting is Crucial: Unlike many big Western cities where people walk by each other, in Ghana, greeting is so important. If you fail to greet people, especially in your neighborhood, you will be seen as unfriendly or disrespectful.

• The Left Hand: Be aware of the cultural significance of the right hand. People will apologize if they hand you something with their left hand (“Sorry for left”), a practice rooted in the fact that the left hand was historically considered unclean.

“Don’t expect things to be the same way as they are where you’re coming from… Look at it as an opportunity to learn and to grow and to experience something different.”

7. Health and Safety: Research and Prepare

You must take steps to ensure your health and safety. This involves more than just vaccinations and health insurance.

The Educational Cost of Children

If you have children, the education system must be a major factor in your financial planning.

• International School Costs: If you want an education system similar to the one you moved from, you will be looking at international or private schools.

• High Fees: Be prepared to pay fees that are often charged in US Dollars, British Pounds, or Euros, and are usually paid upfront per term. Fees can range from $2,500 to $10,000 or more per term, per child.

Conclusion

It’s important to do your research and plan carefully to ensure a smooth transition and successful integration into your new community. Visit the country, know your immigration status, and ensure you have that essential financial cushion. Check out a Ivy Prospers  guide to her 7 things to know