It's a big move for sure, Dawn, and it is scary! Bulgaria seems very like Marmite, people either love it or hate it. Have you spent much time there on visits?
We're obviously in the "love it" group, but are (unintentionally) easing in to full-time living there gently! After visiting Bulgaria multiple times since 2013, I bought a house on pay monthly two days before the Brexit deadline. But due to Covid and hubby being seriously ill, I missed the deadline to apply under the pre-Brexit rules. So for now, we're only able to visit, till I reach pension age and can get that all-important D visa.
As Gwyn said, if you're getting a retirement pension, even if not yet OAP aged, as long as the pension is more than the Bulgarian minimum wage (currently something like 540 GBP a month), you qualify to apply for a long-stay visa.
There are plenty of challenges, like dealing with bureaucracy, opening bank accounts (it must be possible, but might take some shopping around different banks, ideally with a Bulgarian-speaking helper), learning the language. Most village houses are in worse condition than a Brit would expect. But there's so much good there, too. Room to move. A slower pace of life in the villages. Friendly people. Be sure to get to know your Bulgarian neighbours as well as the Brits in the village (I believe Voditsa has a sizable expat community). Ours speak no English at all, but are incredibly welcoming and helpful.
Despite having visited Bulgaria multiple times, I'd never been to the region our house is in. I bought it in a rush on ebay just to beat the deadline. Before travelling there for the first time (on my own, hubby stayed in the UK to look after the herd of rescue cats we'd adopted in a moment of madness), I was seriously scared. The first night in the house, I cried, because it needed so much more work than I thought. I was ready to tell the seller I'd changed my mind and would forfeit my deposit if they'd release me from the contract. But now I love the place and can't wait to get back there! The house still needs loads of work, but it feels like my place.
I guess my point is, being scared doesn't necessarily mean you're doing the wrong thing! It's normal to be scared at taking such a big step. But if you have concerns about the village or the house or the whole Bulgarian thing, don't let the seller make you feel pressured into buying now. Most houses don't sell all that fast (an exception is Bulgaria Direct's ebay listings - they do sell fast, usually within days, but sometimes reappear after buyers back out). Chances are the house will wait for you if you decide to visit Bulgaria to have a look at it before committing to buy.