Another trip? How can you afford to travel so much?
I’m going to try and answer that with this post. My goal is to live life comfortably while satisfying my travel desires.
My fav comedian said it best “a mortgage gon’ make you act right!” And I’m behaving out here.
Firstly, I live beneath my means and I plan ALL of my spending. No, I’m not drowning in credit card debt, but I do not use debit, ever. What does living beneath my means exactly mean? I pack a lunch to work everyday. I just got my first car note in 3 years. I do my hair at home, unless Jettset Studio lace me (Google her baby!). Again, I stress—I follow a budget. I allocate spending for the weekend, gas money, groceries. Everything.
Second, I fund all of my trips using “extra” money. If you know me, you know I’ve always got a side hustle popping. I’ve done it all, from bartending to custodial jobs. I work when I want and stack. (shout-out to them Caribbean roots, she work hard for the money!) The key to using extra money to fund your vacations (or whatever your goal may be) is to keeping this money SEPARATE! A few years ago when I was cleaning part time I opened a new checking account that had a $150 new account bonus. I had all of my part time checks transferred to this account via direct deposit and didn’t touch it for a solid 6 months. Wa-la! 2017 was paid for. Any time I come into “extra” money (a work bonus, just opened up a new high interest savings account for a $200 bonus) I transfer it to my “Vacation Account.” You’ll hear me say this often. Work Hard, Travel Often.
C.R.E.A.M. “Credit rules everything around me!”
Stop with the stale thinking that you shouldn’t use credit cards. Credit cards are safer to use, they help build and maintain credit and you get rewarded for using them. Going back to my theory of budgeting—budget how much you’ll spend on your card and pay it off. Every month. I don’t care if I’m getting a snickers bar or booking a flight. I use credit. The Chase Sapphire Reserve is currently my fav. Why not get paid for spending money? My NYE flight to Asia? Free! Credit card points, cause he’s an on time God.
Your biggest travel expense for every vacation will likely be your flight. Which is why you should travel strategically. Look into flight deal sites like SecretFlying, Skyscanner & Google Flights and do take note of cheap travel days (i.e. Tuesday’s and Saturday’s). Understand that holiday travel will cost you more and if you can stand that extra layover—fade the five for a cheaper flight.
Last tidbit. I love packages. Using sites like Travelocity and Orbitz to book flight and hotel combos (after finding flight deals prior) always leads to success.
I know I was rapping but it’s levels to traveling and not going broke. I have never had credit card debt and I don’t intend to.
Happy Travels! #KiKiTaughtYou
Please drop all comments & questions below. Let’s chat!
P.S. The image of me below bartending is from 2012! I look like such a baby 🙂
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