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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

Tips for Celebrating Christmas While Travelling

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Christmas is a wonderful time of year to spend with those closest to you and showing them how much you care. However, it can be really tough if you’re travelling away from home. Whether you’re backpacking and hostel hopping or living away in another country -Christmas doesn’t quite feel the same if you’re not at home. However, there’s plenty of things you can do to get into the spirit of things and enjoy your own celebrations.  

Video Call 

One of the most valuable things you can do if you’re away from your loved ones is to call them on Christmas Day. Make sure you establish a time which will work for the both of you as you will have to factor in the time differences. Even though you won’t be in the same country a video call means you can still spend part of the day celebrating together. You can use whichever app works for you. 

Posting Gifts

Just because you’re not in the same country over the holidays doesn’t mean you can’t send one another gifts. You could send your family and friends festive parcels. They could send you things you miss from home, and you could send them trinkets from the country you’re in. Photos and personalised cards are also a great addition to make the gift even more thoughtful. It’s important you use a reliable courier system – like Parcel2Go so your packages get there safely and in time for Christmas.  

Embrace the Experience

If you’re travelling to new places over Christmas, it gives you a great opportunity to do something different. You won’t get to do the normal family traditions so why try something completely new? This could be particularly special if you’re somewhere warm. You could spend Christmas Day on the beach, having a barbecue or swim in the ocean. There’ll be plenty more times with your family and loved ones. Embrace the adventure and see where the day takes you. 

Meet People 

No-one wants to be alone on Christmas. If you’re solo travelling, the thought of spending the whole day alone can be daunting. However, the wonderful thing about solo travel is you’re rarely by yourself. Get talking with people in the hostel, or whatever place you’re staying. You could arrange to do something together.  Or, why not research the place you’ll be in beforehand and see what events are being hosted? You could see what the locals are up to. There are so many possibilities and people waiting for you. 

Just because you’re away from home for Christmas, doesn’t mean you can’t still have fun celebrating it. Whatever you end up doing, you’re bound to create some unique memories for yourself. Do you have plans for Christmas celebrations while travelling? 

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Travel Tips

Finding Culture in the Tourist Hotspot of Benidorm

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Benidorm is a popular holiday destination with UK families and it is easy to see why because it is an easy and affordable way to have a sun, sea and sand holiday. This does mean that Benidorm doesn’t have the best reputation if you are looking for culture, but there is another side to this sunny Spanish seaside resort which will give you an authentic Spanish experience.

Here are a few of the best things to do in Benidorm that will allow you to escape the crowd and find the hidden gems. 

Placa del Castell

The beautiful Placa del Castell is situated at the point of the promontory between the two beaches and it is perhaps the prettiest area in the resort. Featuring checkerboard tales and white balustrades, this is where Benidorm Castle previously sat but is now an idyllic spot with beautiful views and plenty of surroundings bars.

Old Town

Benidorm’s quaint Old Town feels almost like stepping back in time and can be a refreshing change of pace from the chaotic beaches. With twisting backstreets, whitewashed buildings and impressive architecture, Old Town is a charming place to explore on foot with plenty of shops, cafes, restaurants and bars to visit along the way for an authentic Spanish experience.

Tapas Alley

Leading on from this, in the heart of Old Town is a small, covered alley called Calle Santo Domingo which is lined with inviting tapas bars. This is the best place to sample authentic Spanish cuisine in Benidorm and a chance to see how the locals live – try sampling some wine and tapas and sitting on the tables out in the alley where you can mingle and people watch.

L’Aiguera Park

This long Parkin neoclassical style separates the newer parts of Benidorm from the old and can be a nice place to visit if you are looking to relax and recharge. In addition to the lovely green areas, the park also features two amphitheaters which host a range of cultural shows to check out.

Getting Around

These are a few of the best cultural activities in Benidorm which will allow you to escape the hordes of families. Keep in mind that as such a busy place with tourists, it can be hard to get around which is why it is a good idea to book your transport in advance, including Benidorm transfers from the airport. 

Benidorm has a reputation as being somewhere cheap and cheerful for Brits to enjoy a sun, sea and sand holiday. While there certainly is this side of the Spanish seaside resort, there is also a more cultural, authentic and enjoyable side beneath the surface which is not to be missed and somewhere that allows you to see the real heart and soul of Benidorm. 

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Travel Tips

Essential Things to Equip Yourself for the Perfect Camping Trip

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Camping has always been a popular way to take a trip. It can be done in so many ways from a family excursion with all the associated things you need to keep everyone, including children, happy to a solo trek going hiking and climbing in rough and remote terrain. But no matter what form of camping you are getting involved in you need some essential kit that’s important for everyone. 

Tent

Well, you need somewhere to sleep. So no matter what happens a tent is an essential part of the trip. So firstly it needs to be waterproof, and windproof. So although you can indeed pick up a cheap pop-up tent for a few dollars it’s likely that it won’t be up to the task. If you are taking the family then you can get large tents with several rooms and even a living area.  

Sleeping Bag & Mattress 

Next up you are going to need something to sleep in. So a sleeping bag is the first thing to consider. Sleeping bags are rated in two ways, by seasons, as in a four-season bag that will be suitable for spring, summer, autumn, and winter. They are also given a temperature rating, this is done via two values, a comfort value and a survival value, so the first temp, if it is 6 degrees you should be nice and comfortable at that level and then if it has a survival rating of -2 degrees you will survive but it wouldn’t be fun. Also, you will need a sleeping mat or a camping mattress as well.

Transport

You may be hiking and in that case, then you are your own transport. But if you are driving then you need to consider how to transport everything. Often the more space the better but there will always be decisions to be made so try and keep everything to essentially what is useful. You can even think about converting an old vehicle to turn it into a camping van, check out parkedinparadise.com for some great info and guides on how to achieve this. 

Cooking Equipment

Hungry? Of course you are! So we’re going to need cooking equipment. Camping stoves come in a variety of sizes, from a small single burner to a double burner with grill and even bigger barbecues, etc. You also will want to consider camp cookware rather than traditional pots, pans, and plates as the size and weight of the camping versions are designed to be as small and light as possible.

Camp Furniture

You are going to want to sit down and relax, so there is a whole range of camping furniture available these days. You can get everything from normal camp chairs to full inflatable sofas, armchairs and you can get camp kitchens and stores. You can get a fold-away picnic table and even separate pop-rooms to use away from the tents as well. 

So no matter how you do it be sure to enjoy your trip, make sure you have a checklist and bring everything as well.

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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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