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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?

Cole is one half of New Zealand's leading adventure travel blogging couple who have been wearing out their jandals around the world since 2009. He loves any adventure activities and anything to do with the water whether it is Surfing, Diving, Swimming, Snorkeling or just lounging nearby on the beach. You can follow Cole on Google+. Or consider following us via RSS Feed, Twitter, Facebook and subscribe to our Newsletter.

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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

NFL Betting Around the World

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With the explosion of legal sports betting across the United States, you can find NFL lines to wager from coast to coast, across the Plains, and in dozens of states in between. The NFL has long been the passion of the country, and now legalized betting on professional football is bigger than ever.

That is also the case across the globe, where sports betting has long been legal, but now betting on American football has become one of the most popular sports in which to place wagers.

The Super Bowl has long been a worldwide favorite. The proposition bets, like the opening coin toss, who scores the first touchdown, and the color of the Gatorade that is dumped on the winning coach, have been popular in the United States for years. But they are now becoming fun and popular, and even lucrative bets, around the world.

But outside that one Sunday in February that is an all-day party celebrating the NFL’s championship game, American football Sundays are big betting days for international sportsbooks.

United Kingdom

Legal sports betting in the United Kingdom doesn’t differ much from what you experience in the United States. In fact many of the same sportsbooks that are operating legally in the U.S. are British-based companies that have been taking legal sports bets on the other side of the Atlantic for years.

When visiting Great Britain you’ll find that the same types of bets you love to play in America are available to wager, including the same point spreads, parlays, propositions, and in-play wagering. Just make sure you know that London is five time zones ahead of New York, so you don’t miss kick off.

You’ll need to visit a local sportsbook in the U.K. or download one of their many legal sports betting mobile apps, where you’ll find the same kind of bonus offers and new registration bonuses that you’re used to seeing in America.

Europe

If you find yourself traveling in Europe and looking to bet on the NFL, almost every country offers NFL betting lines. The sport is most popular in Germany, and the prevalence of betting in the country reflects this.

Italy, France, Spain, Poland, and Sweden and Norway also have thriving NFL fan bases, and sports betting in those countries make it easy for NFL bettors to place their wagers.

Africa

One of the least thought about sports betting markets is Africa. But as tourism to the African continent grows, and more and more countries become tourist hotspots for Americans and Europeans, the more we see Western entertainment options, like legal casinos and sports betting.

While soccer, basketball, and boxing are still king in the sports-crazed continent of Africa, the number of NFL players from Africa has increased NFL betting on the continent. And in countries like South Africa, Nigeria, Kenya, and Ghana, it is easy to find sportsbooks offering NFL betting.

Asia

Legal sports betting is limited in Asia, but in places like the Philippines and India, it is big business. All sports are available to wager, including the NFL. Although in India, cricket is what drives the industry. But the NFL has been steadily growing in popularity, and so are its betting options.

Central and South America

Sports betting is legal in Mexico, Peru, Brazil, and Argentina. And because of an exclusive agreement by the NFL to make Betcris the league’s official betting partner in Latin America, if you are in a country that has sports betting, you will have access to NFL betting that is sanctioned by the league.

That means that the NFL betting in Central and South America is almost identical to what you find in the United States.

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Travel Tips

5 Best Things To Do In Maryland

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One of the smallest states in the United States, Maryland sits peacefully on the Atlantic shore on the historic Chesapeake Bay, near Washington, D.C. Regardless of its size, this beautiful state has a lot to offer—from museums to historic sites, breweries, amusement parks, lakes, thriving wetlands, forested mountains, lakes, and waterfalls to keep you entertained throughout.

The state is quite popular with sailors, beachgoers, and nature lovers due to the vast number of outdoor settings. However, that isn’t to say that Maryland doesn’t appeal to others. Sports betting and gambling are legal in Maryland. Meaning, a lot of people from the neighboring states often enter to visit Maryland sportsbooks and casinos.

After all, you don’t require a huge budget to experience all the fun Maryland has to offer.

If you are planning a trip to this state, here are the top five attractions you shouldn’t miss visiting.

1. National Aquarium

Located in Baltimore, the National Aquarium is a dramatic building that overlooks the Inner Harbor. Inside, you will find the replicates of numerous ecosystems for marine life from across the world. Additionally, the place is also home to birds, mammals, and appropriate plant life.

Though all environments are not underwater, they do share a common link to water. The largest of all the ecosystems here is the five-story Tropical RainForest, where you will get to explore life at various levels—from forest floor to the treetops and from plants to frogs, birds, sloths, and monkeys.

In the Atlantic Coral Reef Exhibit are sharks and dolphins alongside other tropical fishes.

2. Ocean City Boardwalk

As the name suggests, this attraction is located in Ocean City. It features nearly 3 miles of exciting pedestrian route lined with various sorts of entertainment for people of all age groups.

You will also be able to find some of the most popular attractions for families in Maryland near the boardwalk, including museums, restaurants, rides, and hotels. So, after enjoying a leisurely stroll, taking in the beautiful beach with soft sands and sparkling waters, consider grabbing an ice cream and finding a place to relax.

If you are traveling with your kids, drop by Timper’s Rides and Amusements and Ripley’s for some added fun.

3. The Walters Art Museum

The Walters Art Museum situated in the Mount Vernon Cultural District in Baltimore is a unique cultural landmark. It is also one of the few institutions in the world that stand for a comprehensive history of world art.

The museum features all forms of art from the third millennium B.C. through the early 20th century. The collections are displayed and interpreted spectacularly. However, the museum is best known for its magnificent jewelry, ivories, enamels, bronzes, and illuminated manuscripts.

Furthermore, the Greek, Roman, Egyptian, and Byzantine antiquities here are immaculate. So are the medieval and Renaissance art collections.

4. Old Town Annapolis and William Paca House

Located between the Town Dock and the Maryland State House are a handful of blocks that feature history and charm. The State House was once the United States Capitol. It is also one of the oldest State House that is still in continuous legislative use.

The William Paca House and Garden are located down the hill. As you make your way there, you will get to explore narrow streets brimming with picture-worthy brick and clapboard buildings. Now, if you are wondering who William Paca is, he was the signer of the Declaration of Independence.

The place was fully refurbished with period antiques and original Paca family items. It features a two-acre garden with a fish-shaped pond, terraces, and a topiary. The house is also an example of how an influential and prosperous Annapolis family looked and felt in the colonial era.

Fort McHenry National Monument

5. Fort McHenry National Monument

The fort was completed in 1803 in an effort to secure the entrance to Baltimore’s busy harbor. In 1814, Fort McHenry withstood a 24-hour bombardment by the British, thereby evolving to be a national icon in the country. However, there is more history to this fort than the bombardment.

The fort once saved Baltimore from occupation. It also acted as a source of inspiration for Francis Scott Key to write The Star-Spangled Banner. He was held a prisoner on a British ship during the attack.

While at Fort McHenry, you can tour the buildings, walk the ramparts, or catch a dramatic multimedia presentation on the fort’s history and the national anthem.

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Travel Tips

Amazing Places to Travel In Pakistan and From Pakistan

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Even though Pakistan is known as a developing country, it holds natural beauty, lush landscapes, and archaeological sites for the truly curious.

Indeed, Pakistan holds potential for tourism. Did you know, According to the International Travel Magazine, Pakistan has been ranked as one of the top tourist attractions in the world in 2020? Yes, over the years, Pakistan has been a famous tourism spot. With that said, there are some places in Pakistan that you must visit.

Pakistan also has quite a bit of economic activity that ranges from fashion to finance and more. The country has quite a bit to offer for tourists that choose to visit it. At the same time, individuals from Pakistan may choose to go to other countries to seek economic opportunity or to merely travel.

If you are looking to travel to Pakistan or travel in and around the country, remember to have knowledge of your airblue flight schedule and other matters. With that being said, here are a few of the places to be aware of when you are looking to travel in and around the growing nation of Pakistan.

Places to Travel In Pakistan

Here are a few places to travel within this South Asian region.

Peshawar

One of the most tremendous cities of Pakistan, Peshawar comes under the Khyber Pakhtunkhwa province. The city is known for its historic places and cultural values. The residents of Peshawar are called Pathans and speak the language Pashto. As the largest city in the province, Peshawar has the Mughal mosque.

It is decorated with calligraphy and floral work. Additionally, the Peshawar museum has items from the Mughal era. The museum holds great significance in the eyes of visitors.

Karachi

The next city you must visit in Pakistan is Karachi. The cosmopolitan city is the largest city of Pakistan and ranks 5th globally. Karachi is well-known for being the city of light, its food, and its beaches. The beautiful diversity in architecture speaks volumes about the city itself. From high-rise buildings in Clifton to the fire hall in Saddar, Karachi is a mix of old and modern architecture. It has endless options for entertainment including theaters, shopping malls, restaurants, and museums.

Lahore

The last city we have to think about is Lahore. The second-largest city in Pakistan holds a historical value of more than 1000 years. As one of the most traditional cities in South Asia, Lahore has a population of over 20 million. You shouldn’t miss the shahi qila also referred to as the Lahore Fort. A treat for art lovers, it has palaces, halls, and mosques, and most importantly, the palace of mirrors (Sheesh Mahall).

Fantastic Places to Travel From Pakistan

There are several places you can travel to from Pakistan, but there are some places in the middle east that you shouldn’t miss out on. Let’s take a look at some of the places you can travel to from Pakistan right away! Whether you are going for tourism purposes or for economic purposes, these are some of the best places that you should certainly visit.

Dubai

The first city we have is Dubai. As the capital of the United Arab Emirates, Dubai is a traveler’s dream. It has futuristic architecture, nightlife, attractive destinations, and historic sights. Whether it is a family vacation or a honeymoon, Dubai is a perfect spot to relish the days of your life. Places like the Mall of Emirates, Jumeirah Beach, Burj Khalifa, and Ain Dubai are a delight to visit.

Riyadh

Over the years, Riyadh has become one of the most prosperous cities in the Middle east. From shopping malls, restaurants, and museums, Riyadh has been the number 1 tourist destination. You can go biking in the red dunes, or make your way to the world-class Riyadh zoo. Riyadh is recognized for its outdoor festivals and events.

Jeddah

Jeddah is known for its contemporary skyscrapers and incident villages. As one of the largest cities of Saudi Arabia, Jeddah is an economic hub and a tourist destination. The famous Jeddah sculpture museum is a must-visit. It has the essence of Arabic traditions and monumental art. It has a beautiful floating mosque that you can visit any time of the day or offer prayers. You can visit the souks in Jeddah and learn more about their culture.

Don’t Forget to Have Fun

It can be stressful to plan out your vacation or travel plans, ensure to make your flight schedule on time and get to where you need to be. But remember that the whole point of your trip is to relax, meet a certain objective, and be present. Experts would suggest to be mindful and ensure to have a great time as you move around!

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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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