When to splurge while travelling
Over the years my travel routine has evolved and fits me now like a well worn cardigan. While I’m all for saving money where I can, there are a few things that I never scrimp on – sometimes you just need to splurge when travelling. Here’s where I recommend spending rather than saving.
Insurance is vital. Though I’ve been to some pretty adventurous places, I’m actually quite risk averse, and the thought of travelling without insurance makes me very nervous. You can take all the precautions you possibly can, but no one can predict what’s going to happen, as the photo below shows (a tumble on a hike in Sweden a couple of years back though fortunately nothing serious). Generous medical cover is a must no matter what policy you take out. I don’t worry as much about valuables cover, as the high ticket items are covered by our house insurance policy, but it’s worth checking the small print if you plan to do the same. I have an annual policy which costs around £35 for worldwide cover with American Express (you don’t have to have one of their cards to qualify). Remember, you may need to up the budget if you need winter sports cover, or add-ons like scheduled airline failure, for instance. But however tight your budget, don’t be tempted to ditch the policy completely.
Though we all love a bargain, it just doesn’t sit well for me to haggle hard knowing that the person in front of me needs the money so much more than I do. Play the game, but work out what a reasonable price is before driving that figure down to a level where there’s almost no profit in the transaction for the trader. After all, that money might be needed for school books or much needed medical treatment.
Strictly speaking I guess this isn’t counted as part of the travel budget, but investing in a good pair of shoes or boots before you leave home is so important. There’s surely nothing worse than hobbling along city streets with angry blisters on your heels or trying to focus on the scenery during an amazing hike when all you can think about is the pain around your toes. Pay what it takes to get footwear that is going to be comfortable, supports your feet and isn’t going to fall apart before you come home. Caveat: if I have a pair of boots or shoes that are almost on their last, I don’t bring them home with me. The boots below fell apart on the Bolivian salt flats and ended their days in the salt hotel’s bin.
First and last night’s accommodation
My husband likes to say he has a rule when travelling: “Never stay anywhere that’s not as nice as your own home”. Well if that was the case for me I’d miss out on a whole lot of places through lack of funds. Don’t get me wrong, I’ve stayed in fancy places (and not just when someone else is paying) but for the most part, I’d rather save money on my accommodation to free up that part of the budget for something a lot more fun. But then I’ve never been one for confining myself to a hotel. That said, I do try to book somewhere reasonably nice for at least the first and last night of a longer trip. After a long flight, having somewhere decent to get over any jet lag and rest properly can’t be underestimated. And if you stay somewhere lovely for the last night, that trip’s going to end on a high.
My final suggestion for would-be splurgers is to set aside a healthy chunk of the budget for a once-in-a-lifetime experience. I can’t remember the details of the hotel I stayed in when I went to Margarita Island in Venezuela in 1992 except that it might have been pink? But I remember vividly dismissing an excursion to see the world’s tallest waterfall, Angel Falls, by air. It was ridiculously expensive and the decision was probably a sound one given that it was likely to have been cloudy. But a piece of me has always regretted not going. Since then, I’ve tried if at all possible to sieze such opportunities. Hot air ballooning over the fairy chimneys of Cappadocia, taking a helicopter ride to the top of a New Zealand glacier and sharing a turquoise sea with the cute swimming pigs in the Bahamas are just three of the many experiences I’ve enjoyed. Those memories will last me a lifetime and I don’t regret a penny of the money I spent.
If you’re now thinking you need to work out where to free up some cash, why not take a look at my last post, When to scrimp while travelling. And don’t forget, I’d love to hear your suggestions for scrimping and saving, as well as when you’ve splashed the cash with good reason.
How you can afford to travel more often
Travel has always been my addiction. Family aside, I’m happy to make a whole heap of sacrifices to be able to travel. I don’t smoke, drink only in moderation and have few vices. Let me share with you a few of my tips for how you can afford to travel more often.
I’m a compulsive list maker. Years of being a teacher conditioned me to having a structured day and to do lists enabled me to prioritise my non-teaching periods and knock out the admin efficiently. Since I quit school and turned my attentions to travel writing, that structure has gone out of the window. How I fill my day is no longer dictated by the bell. To an extent, I can do pretty much what I want, when I want. So those same to do lists give me structure. I still run a must, should, could list and ensure I deliver what I’ve promised on time, so that my clients are happy. Applying this method to travel plans also works. Each year I think about where I’d like to visit, formulating a rough list that usually contains one or two long haul destinations plus a number of European trips. I don’t stick rigidly to this plan, but knowing what I want to achieve helps me think ahead.
Do your research
Once I know roughly where I want to go, I start researching what those trips might cost. I’m fortunate that I receive invites for press trips, but there’s nothing better than the flexibility to do what I please, so independent travel is still my preferred option. Usually, the cost of flights is the biggest expense, so I’m always on the lookout for cheap fares. I’ve signed up for email newsletters with a number of airlines and this enables me to get wind of any flash sales before they’re announced to the public. I also follow Secret Flying and FlyNous on social media for their special deal and error fare alerts. Even though I don’t book the majority of these flights, it’s a very useful gauge as to what consitutes a cheap fare for a particular destination. If I do learn of a particularly good deal, I’ve found that you have to snap them up fast. Act decisively and you get a bargain; dither and someone else does. Often, though, a deal too good to resist comes up for somewhere unexpected, such as Uganda for just over £300, for instance.
Fix a budget
Once I have transport sorted, I figure out what my total budget can stretch to. I know what my day to day living expenses are, how much my car costs to run, what purchases I need to factor in. Adult life is a far cry from my early twenties and the girl who blew her first pay packet on a holiday to Venezuela! Instead of being impulsive and extravagant, work out how to downsize your lifestyle – cancel your gym membership and go for a run instead; sell your car and take public transport; watch movies on TV rather than at the cinema. I’ve never been one to spend big on clothes, I rarely wear make-up and I don’t choose to get expensive manicures or facials. You’ve seen my picture; that should be no surprise. When I worked full-time in education, I made a packed lunch every day. Add up what you spend on that takeaway coffee each day – it will surprise you. But also think about what you are and aren’t prepared to give up. It’s all about what’s important to you. I’d rather have a budget weekend away than spend the same money on alcohol, but if the discipline required to save for these trips is taking the joy out of your everyday life, then you’ll need to rein in that travel addicition.
Now see how far that budget can stretch
The same principle applies to the trip itself. Over the years, I’ve saved thousands of pounds because I opt for independent travel over group tours. It’s often been considerably cheaper to go it alone and pay for local guides as and when I’ve felt the need. I enjoy the flexibility and I don’t miss the company. And for me, it’s the destination rather than some luxury accommodation that is the most important element of the holiday. Don’t get me wrong, I enjoy fancy hotels as much as the next person, but if switching to a simple homestay or hostel is what I can afford, I’ll book that rather than not go. Ask yourself if you can cope with a dorm bed or if you need a private room, could you manage an overnight sleeper train (surprisingly cheap) or whether you’d accept a shared bathroom down the hall (though always check cleanliness reviews before you book!) Would it work out cheaper to stay slightly out of the centre and jump on the subway each day, or would you sacrifice time and come back a day earlier if it meant you could achieve a city centre hotel within your budget?
Choose your destination with a view to value for money
Some destinations are hard to do on a budget. I spent a week in Barbados last year. I saved money on my flight by using air miles, travelled around by public bus, found a bargain Airbnb studio apartment and did a food shop at the local supermarket to cut the cost of restaurant meals out. (It might not seem like a holiday thing to do, but tot up the cost of seven breakfasts if you eat out and compare that to the cost of a box of cornflakes and a couple of pints of milk.) Even so, that trip cost somewhere in the region of £700 and that was with the many free admissions that come with a wave of my press card. Not expensive by Caribbean standards, but not cheap either. I could have saved on the cost of accommodation by travelling with a like-minded companion, of course, which would have knocked off about £200. In contrast, Kyrgyzstan offered considerably more value for money. In fact, I even brought cash back with me, things were so cheap. Typically, accommodation was a third of the price of the equivalent standard in Barbados, and food was considerably cheaper too.
Explore ways of making your trip pay for itself
As a travel writer, these days I bear in mind whether a destination is likely to be marketable and factor that into my decision-making. While some trips, like the Tonga add-on I did last time I was in New Zealand, are an indulgence, others are much more lucrative. With some timely commissions, I made over £1000 on one week-long trip to New York last year. Iceland, New Zealand, Russia and Italy have worked out well for me too. If there’s a downside to this, it’s that I’m on the go more and relax a whole lot less – I won’t have much to write about if I don’t stray far from the hotel pool all week. If you want to see if you can sell an article, see if you’ve got what it takes and create a profile on a freelancer platform like Upwork. But you don’t have to be a writer to earn money from your travels. Perhaps a TEFL qualification would open some doors, or maybe you could earn money from photography if you’re skilled enough and work hard at pitching your talent. Working as a tour guide, taking on house or pet sitting, taking a job in a ski resort or working on a cruise ship are just some of the ways you can fund your trip.