hola paisano...i have lived in baja sur for 20 years and absolutely LOVE it...i was a single mom and made less than you and had no problema living here on that. Baja is lovely, safe, quiet and close with awesome year round weather. There are very cheap places to rent too..even in our beach village, we have wireless high speed internet! The services are cheap...water is $8 a month, power is like $10 a month.

The trick is to live in a place where there isnt alot of temptation to spend money...we only have a few stores, no mall or movie theatre etc....lots of free natural attractions...you can shore fish for your food and eat fresh fruit and veggies...everything is within walking distance...no need for a car...super friendly people. We are about 6 canuck families living here. ....come and visit and see for yourself!