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5 financial tips before you travel

How do you make sure you are able to travel without going broke? Use my top 5 financial tips before you travel so that you can enjoy your next adventure.

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Travelling can become very expensive. But if you use these S5 financial tips before you travel, then you will help ease the burden on your wallet. Not to mention allow you to relax so you can enjoy your travel adventure.

5 financial tips before you travel

5 financial tips before you travel

Prepare a budget for your trip

There is nothing worse than getting 2 weeks into a 3 week long vacation and discovering that your card is declined. But if you prepare a travel budget before you jump on the plane, then you will easily have enough money to get you through your trip.

Some cots to consider including in your budget are; transportation (there and back as well as around the destination), food each day, shopping and souvenirs, and optional excursions like diving or hiring a car.

Once you have a budget, add on another 10% just in case for any unforeseen circumstances.

Tell your bank where you are going

I recently ran into this problem when I was travelling through Africa.

As I went to book my flights home my card was declined. I quickly realised that because I was in Kenya, my bank thought someone had stolen my card and wouldn’t accept the transaction. After a few expensive phone calls I managed to get it sorted and they unblocked my card.

Before you go, also make sure you compare bank accounts for the best deal on savings, credit card rates and transaction fees.

Get travel insurance

Worst case scenario is that you pay a little for travel insurance but you don’t end up using it. The worst case scenario is frightening…

Imaging getting pick-pocketed as you travel through a foreign country. If they manage to get your wallet with all your cards and money then you are going to be stranded. Luckily travel insurance can quickly help you when you are short on cash.

Which brings me onto my next point…

Have a back up plan

While this is not technically a financial tip, it could save you a lot of money once you are there. Before you go on your trip, split the money you are carrying with whoever you are travelling with. That way if one of you is robbed, then you still have some money left over.

If you are solo travelling then consider wearing a moneybelt, or hiding your money/cards in a secret compartment of your clothing. There are lots of options to keep it safe.

Don’t forget about the bills at home

Finally, if you return home and realise that you had forgotten to pay a bill then all of a sudden you are in big trouble. It might be that you forgot to pay off your credit card and now you have a huge amount of interest included.

This is going to take your years to pay off and not something you want to return to after relaxing on your holiday.

Tell me below, what are your 5 financial tips before you travel that you use?

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11 Comments

11 Comments

  1. Kristy of Family Visa

    August 16, 2013 at 1:46 AM

    One week before my flight I’d make sure that I check the currency rate of the country that I’ll be spending my holiday or vacation with to have an idea of how much money should I bring on my travel. I am not also fond of checking-in at hotels because it is expensive instead I sleep at motels.

    • Cole Burmester

      August 16, 2013 at 6:25 AM

      Hotels can be very expensive, but I always use a site like Hotels.com to make sure I can find the best deals. Often cheaper than a private room in a Hostel!

  2. Candice

    August 17, 2013 at 3:25 AM

    Great advice. My back up plan in the case that I get robbed while out and about, is to always have a credit card hidden in a compartment of my luggage separate from my day bag.

  3. Christoffer Moen

    August 19, 2013 at 3:54 PM

    These are really really great tips and I can’t agree more about the importance of getting travel insurance. It’s a safety net, don’t go without it. Like Candice, I also don’t keep all my cards in one place 🙂

  4. Pratibha

    August 23, 2013 at 4:06 AM

    It might help to pick countries with under-valued currencies. International travellers will find India around 20% cheaper now than 3 months ago with the rupee trading at a concerning low to the dollar.

  5. Jason Ryaan

    September 9, 2013 at 2:14 PM

    I always prefer to carry credit card rather than cash money during traveling. Preparing a budget plan is the most important factor that should be considered at the time of planning a trip.

  6. Marian

    September 12, 2013 at 2:27 PM

    Nice tips very helpful indeed. I think getting a travel insurance is very important.

  7. Jone Laxer

    October 7, 2013 at 5:14 PM

    Hi….Cole Burmester,

    These are great tips by you and i’m sure that by following these tips, anybody can save so much money on travel trip.

  8. Timothy W Pawiro

    December 29, 2013 at 1:22 AM

    Yesss … notifying the bank is important. I think some banks want us to tell them that we’re going to do ‘overseas withdrawal’. If not we will make ourselves confuse in front of the ATM 😀

  9. Escape Hunter

    March 28, 2014 at 2:55 PM

    Your last two tips stand out. Very important, vital, even.
    I always have backup plans… some bills can be paid online, thankfully I can solve that!
    As for bank cards – it’s good not to rely on them too heavily. Cash is king in most parts of the World…
    From experience, I can tell you that even 2 bank cards can prove unreliable in foreign countries… 3 are “must have” and plenty of cash as well.

  10. Shimla Walks

    August 27, 2014 at 8:08 PM

    Very good tips. recommendable. It happened to one of our clients. A few years ago he came to India and got robbed in Delhi. Lost his money, passport, ticket, wallet and cards. Luckily he had a friend with him who lent him some money so that he could go back.

    One has to be very careful while traveling. thanks a lot for the lovely post.

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Travel Tips

4 Spectacular Western Australia Road Trips

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Western Australia is a huge region that covers nearly a third of the country as a whole. While a big proportion of the population is concentrated in located in the southwest, there are plenty of great road trip opportunities throughout the area – especially if you are looking to get off the beaten path. So, in this blog post, we will cover just a few ideas that could take you on the journey of a lifetime.

The Kimberley

Let’s start off in the northwest corner of the country around the iconic Kimberley region between Broome and Kununurra. Highway 1 will take you to places including Purnululu – otherwise known as the Bungle Bungles – as well as historic outback communities and the largest man-made body of water in the world, Lake Argyle. Otherwise, you could take the road less travelled along the Gibb, where it is certainly worth taking the detour up to the Mitchell Plateau, famous for its cascading waterfalls.

Grand Central Road

If you are looking for an authentic outback adventure, a trip along the Grand Central Road could well be the option for you. This red-dirt highway takes in some of the most celebrated attractions in the region including Alice Springs, Uluru and the WA goldfields. For people with plenty of time on their hands, you have the opportunity to travel from the far north-east of the country all the way to the far south-west. There are various campsites along the way that give you the opportunity to really appreciate this sparse, yet beautiful landscape.

Coral Coast

Starting in the remote and bustling city of Perth, you can spend a couple of days taking in this pleasant city before looking at car hire options to take you along the beautiful Coral Coast. The Pinnacles Desert near Cervantes is a must-see attraction for its famous limestone spires. A couple of the other magical experiences which you can enjoy along the way include feeding wild dolphins at Monkey Mia, snorkelling around the coral of Ningaloo Reef and hiking in Kalbarri.

The Great Southwest Edge

The final road trip idea that we are going to discuss is situated in the far southwest of the region, where you will find some of the whitest sand and bluest water in the whole of Australia. Don’t miss out on whale-watching at Point Ann or seeing the wildflowers of Fitzgerald River National Park. When you are ready to take a break and relax, head over to the Margaret River region where you can enjoy some of the nation’s finest wines.

Western Australia is far too big a region to enjoy on a single trip, but each one of these four road trip options is worth embarking on during your time here. Whether you are looking for a remote adventure or a comfortable drive along the coast, you have a myriad of options in front of you. Enjoy!

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Travel Tips

What To Look For In A Holiday Home

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Travelling is something we all love to do, but making it more approachable is something we desperately need to start introducing in the modern world. And one great way to do that is to invest in a holiday home. A holiday home is something a lot of people consider, and it’s something a lot of people never end up seriously looking into. Yet, it’s a lot easier to find a place of your own when you’re abroad than the majority of people think!

Yes it’s a huge investment, but it’s a good place to escape to whenever you need to, and you can rent it out when you aren’t using it. Turning your travelling lifestyle into a money maker: sounds like a good idea already, doesn’t it? So if you’re big on the nomadic side of a lifestyle, this is something to start seriously considering, and this post is here to help. Below are the tips you need to look for in a holiday home.

First of All, You Don’t Even Have to Buy!

The good thing about travelling is that you get to choose how to do it. If you’re off on a cycle tour, all the luck is with you. If you’re looking to stay in a Greek resort for an entire week, all the best! Yet, when it comes to making these activities more of a permanent arrangement, of course it’s going to get expensive. But there’s ways around that to make sure you can achieve the travelling lifestyle you’ve always wanted.

If actually investing at least $100,000 in a home away from home, when you’re already needing to pay for that, is daunting, you always have the ability to rent a place of your own in multiple countries across the globe. For example, there’s plenty of property for rent in Singapore going right now, and you could be the lucky tenant for a month or so in one of the most culturally diverse hotspots of the world.

Finding a Good Location (it can be hard!)

Location is everything, and if you don’t have a house in a sort after area, you’re not going to have offers flooding through your door when it comes to renting the place out. Similarly, whilst you might enjoy the countryside in the great unknown of another country, it’s going to be hard to see all the sites you want in the inner city and around the towns.

So you want your new holiday home to be within a couple of miles or so of the nearest big town, and you want it to have a good view across the hills, streets, or fields in between here and there. When something is picturesque, possible tenants take much more of an interest in it. Not to mention the amount of land there is to explore at their own pleasure!

Countries like that of Bulgaria, full of history and culture and a stepping point to the East and Asia, is a great place to try and set down roots. The same goes for Greece, with its economy at a turning point and looking for investors 24/7. If you find a place with high demand and low prices, it’s usually going to have a lot more substance to it than the usual hotspots. Give these nations a look first before looking for places within Europe or the Americas.

Is it Close to the Beach?

The beach is symbolic for holidays. If property is close to a beachy area, or has a sandy surrounding, you’re going to love your new location! Being able to skip down to the beach in a minute or so when it’s sunny is something we all dream of doing when we’re at home; it’s time to live those dreams!

A beach house is something a lot of people want but not many people deserve, so make sure you’re getting your foot on the ladder with such an exclusive prospect! You’ll be able to rent the place out at much higher rates when you’re back at home, getting back into the daily grind of being away from the view you love so much.

Does it Have a Good Connection to the Outside World?

Your new home amenities are going to matter more than ever, so if you don’t have a reliable water source or your wifi keeps dropping, it’s not going to be much of a holiday home. You want to be able to relax in it, and you want to be able to rent it out to others to make sure they can relax as well. If it’s not a comfortable experience, people aren’t going to come back, and you’re going to lose money.

Services need to be close by your new location. People like plumbers and electricians should be practically on call when you need them, and a supermarket or convenience store should be a couple of streets away at most. This is what matters more than having a reliable wifi signal, as you can’t simply build a new shop right next door! Even if you haven’t found a place that has the best signal around, you can invest in boosters for very little extra to make sure you’re getting web pages loaded when you need them and videos streamed without a hint of buffering. It simply makes your new house a lot more desirable at the end of the day, for you and others.

Holiday homes are a huge investment, so never rush into buying one when it comes to organising another trip. A weekend in Paris after only a half hour of planning is fine, but when you’re splashing out thousands, you’re going to need to put some serious thought in. Make sure you’re looking at the countries that have the greatest amount of tourism to them; not only are they good place to come back to each summer when you need a break, but they have the most visitors to make your bucks back with!

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Travel Tips

Stranded at the Airport? Tips to Solve Your Travel Woes

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There are few words that generate as much dread and frustration in an airport situation than the terms “delayed” and “canceled”. As wonderful as the travel experience can be, airplanes, just like any other machine can be prone to errors, malfunctions, and issues that are beyond your control. This means that the more often you fly, the more likely it is that you’ll end up dealing with the stress of a sudden delay.

Regardless of if your issue is with bad weather or a sudden technological fault at your local airport, there’s always a risk that something could go wrong and force you to spend more unwanted time at the departing terminal. When this happens, it’s important to make sure that you’re prepared for the worst.

While the following tips might not stop delays from happening entirely, they will help to ensure that you get through the experience with as much poise as possible.

1.     Have the Right Items in Your Carry-On

When a flight is delayed, there’s no saying how long you might end up being stranded within your terminal. With that in mind, it’s important to make sure that you have the right items on hand. For instance, snacks, an empty water bottle, and a few toiletries like toothbrush and toothpaste can be a great way to keep your trip on track.

Additionally, it’s worth making sure that you have the extra resources you need to keep your devices topped up and full of charge too. For instance, you can always buy an extra battery for your phone and tablet in case you can’t fight through the crowds of other angry customers at your airport all trying to use the same outlets.

2.     Know Your Rights

Depending on where you’re flying to, and where you’re traveling from, your rights for compensation might be different. It’s worth figuring out what you might be eligible for as early as possible, and which rules you need to follow to ensure that you don’t give up your chances for a refund by accident.

If you’re not sure what the guidelines are for your specific airport and airline, you can always do a quick search online to find out more about your route. Alternatively, try speaking to the airline itself and asking them what they’re going to do to make up for the trouble that they’ve caused you.

3.     Stay in Touch

While it’s important to make sure that you can keep in touch with your loved ones, and the people who are expecting you on the other end of your delayed flight, it’s also crucial to keep talking to your airline too. A long queue at the counter will usually mean that it’s tough to speak to someone about your issues in person, but you can always make a phone call or talk to a brand on social media if you want to get a response fast.

The social media platform has become a powerful way for customers to reach out to businesses when they have a complaint because the things you post can have a negative impact on a company’s reputation if they go unanswered for too long.

4.     Get Some Rest When You Can

Although sleeping might be the last thing on your mind when you’re dealing with the stress of a flight delay, it’s important to remember that the more rest you can get, the more your health will be protected as you struggle through the complications of waiting for your new flight. Sleeping in airports isn’t much fun, so it’s a good idea to see whether you can afford to spend a few hours in the VIP suite instead of simply snoozing at the gateway.

On the other hand, consider asking your airline if they’ll pay for you to freshen up at a hotel – particularly if your flight delay stretches out throughout the night and you have children to think about.

5.     Be Patient and Polite

Finally, a flight delay or cancellation is unlikely to leave you in a good mood, but it’s important to stay as calm and collected as possible. Flight delays are a huge inconvenience for passengers, but they’re not the fault of the people that you’re going to be yelling at when you’re trying to find a new seat at the airport.

The airline workers are there to help, and they didn’t cause your situation, so be kind and patient with them while they struggle to sever you and all the other unhappy customers around you.

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Meet Cole and Adela

Cole and AdelaWe have been wearing out our jandals (Kiwi for flip-flops) on our travel adventures around the world since 2009. We think our blog is thought provoking and a little witty. But we have been proven wrong before. Find out more about us here...

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