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How I Afford To Travel.. And How To Stretch Your Money So You Can Too!

It’s no secret – I love to travel – as far and for as long as possible (within the constrains of having a full time job!) – and over the years I have mastered some tips and tricks to help maximize that goal. I’m not rich. I don’t have a trust fund. My parents do not contribute to my travel fund and I have not secretly won the lottery and never told anyone. Believe me, if I had, I would be long gone – and would certainly not spouting on about how great it is to work full time and travel. For me, it’s all about making choices and assessing priorities – and I’d like to share my tips with you, in the hope they will help you travel more/better/longer. I have both saving and spending tips – the former I can guarantee you will have probably read before (they’re not rocket science! – but one is pretty clever!) but the latter – and what I consider my secret weapon – is an absolute gem! You’re intrigued aren’t you.. well read on: all will be revealed… Afford travel

How Afford Travel

How I Afford to Travel. Afford travel.

1. I work full time. afford travel

There is no denying that having a full time job is a great source of regular income – and it doesn’t mean that you have to be chained to an office desk. When I first left to UK at aged 21  to go and live in the USA, I did so on the back of getting a 6 month contract role at Walt Disney World in Florida. The pay was barely above minimum wage – but the perks were awesome! (Free access to the parks on days off – yes please!) Whilst I was there, the program covered the cost of my accommodation and in taking extra shifts, or extending a shift (overtime – ching ching) I was able to rack up enough cash to pay for a month long trip across the States. Afford Travel.

How Afford Travel

Me and my Disney homies… super cool, right?!

RELATED: If you haven’t read about my Coast to Coast USA Roadtrip you can find all the details here

If you’d like more information about the opportunities at Disney World – UK folks head to Yummy Jobs – for the rest of the world, head to Disney Careers. You can be sure that if your country is represented in the Epcot World Showcase – there will be a job opportunity for you.

Other Jobs that allow you to work & travel include Teaching English as a Foreign Language (TEFL); working as a nanny  or getting a working holiday visa in various other countries.

When I had finished in the USA – and with a real aversion to a ‘regular 9-5’ life – I got another full time job running hotels in the European Alps for the winter season (UK folks click here for the Natives website which will introduce you to a variety of winter operators looking for staff – most of which have summer programs too. For those in the US – you know where your ski resorts are!) Again, the pay is not good, but (working from the UK at least) your accommodation and food are covered in the employment package. Plus you get free ski/snowboard equipment for the seasons and a lift pass. This means that you’re only expenses are if you want a nice meal out – or if you are going out drinking…

…this leads me to point 2:

2. I only drink at home afford travel

I’m not a saint. Alcohol is a (necessary) expense – for me at least. If you don’t drink – good for you – the amount of money you will save over a lifetime is astronomical. However, for us lesser mere mortals – I can totally understand that Friday afternoon feeling where only a glass of wine – or a (well deserved) beer – will hit the spot. I have never hidden the fact that I am partial to a glass (sometime a bottle!) of wine. My saving grace here is that I ensure that 90% of the time, I only drink at home. I buy wine in bulk – from the supermarkets in the UK, US and Europe or, now that I am in Aus, from a wonderful alcohol soaked place called Dan Murphy’s. I refuse to pay the jacked up bar prices by going out to drink. Afford Travel

How Afford Travel

3. I Give Myself An Allowance. Afford Travel.

You heard me right – and no, I’m not a 12, living at home and doing chores for pocket money. But money – albeit the root of all evil – is the thing that pays for my travel and so instead of allowing funds for various things – I restrict funds. My partner and I have bought a house together, we have bills – which is something we largely have little control over – and so instead of working out what we need to afford we transfer all of our wages (with the exception of $100) into a joint account – and have $100 a week as spending money. This pays for my Friday afternoon pub lunch each week (I know, I’m terrible, right?! back to the alcohol again!) and any clothes/handbags that I just have to have. I’ll be honest I never really got over the internet shopping habit of my younger days but I am more savvy with my shopping practices and so now… Afford Travel.

How Afford Travel

4. I only buy things on sale how Afford Travel

Living on a few continents – particularly where the season are the opposite to what you expect – it came as a happy surprise to discover that what is on sale at the end of one season in one country is absolutely perfect for the upcoming season in the country you are in! This is really beneficial where you have embraced internet shopping (as I have ;-) ) My favorite example of this is ASOS – which have sites and distributors in various countries – but it is all the same stock. So if you can think ahead and shop for winter in summer and summer in winter, there are epic savings to be had. Add that to a quick google search for the latest ‘ASOS discount code’ and you have sale items with a minimum of an extra 10% off whenever you buy. Winning!

5. We Don’t Eat Out – and I learned to cook

Back on the budget front, we don’t eat out. I know, boring, right?! We don’t eat take out, we pack a lunch everyday (except Fridays, I mentioned a pub lunch before yes?!)  and if we are going to a restaurant, we make it a super nice one. But at a maximum, only every 3 months – and usually it’s more like every 6 months. On that occasion, we spend a few hundred bucks – out of the joint account – and have a lovely, lovely meal. My partner’s a chef and after 8 years with him, I’ve become a bit of a foodie myself. So if we are paying for food – forgetting the fact that we can cook amazing meals ourselves at home, I want to it be at one of the best restaurant in whatever city we are in. And we are never disappointed. It’s a luxury that we allow ourselves every now and again and really appreciate it when we do.

How Afford Travel

So there you have it, my tips, tricks and recommendations for saving money but what about spending it?

How I Stretch My Money how afford travel

After taking on all of the above, we don’t just book thinks willy-nilly. We travel off season – where possible – and use sites like Momondo and SkyScanner to book the best deals. I’ve read all the literature at when is the best time to book, and I’m sorry – but I just can’t go with it. I’m a planner and once I have decided where I am going, I book and have done with it. I book within a few weeks of the flights being released and always get a good ‘introductory’ type rate and yes I see the prices rise and fall in the months between booking and traveling, but I don’t care. I am a much happier traveler knowing that I’m booked, done and going. It also suits my hyper organised personality. I’ve had our upcoming 11 week extravaganza (Aus to UK-Turkey-Zimbabwe-Botswana-Namibia-South Africa-Mauritius-UK and back to Aus) booked for 18 months and now I’m 5 weeks out, I’m still planning the substance of the trip like a crazy woman! Afford Travel.

But How Can I Book & Pay for These extended trips up front?!

Well, this is the good part. I make my credit cards work for me.

How to Make Credit Cards Work For You: afford travel

So, when I have a huge – and expensive – upcoming trip to book. I make sure I have a high enough limit on my credit card to book everything in one hit (this is where the whole working full time come in again – you work full time, the banks will give you a fair amount of credit) and off I go. I scour the various comparison websites for flights and book any activities that are a must. I then apply for another credit card that has a 0% balance transfer option. (In order to do this, you need to have a good credit history/rating – and again, working full time helps so much with this).  I look for those that offer the longest interest free period and have no transfer fees. Once I have found the best one and I have been accepted, I transfer the balance (for the upcoming trip it was $10k) and set up an automatic payment for more than the minimum balance – to come out each and every month – and make a note of when the interest free period ends.

How Afford Travel

When I get the card for the balance transfer account I CUT IT UP. Do not touch this card. Do not think it is another source of credit. The minute you make a purchase on the card you lose the 0% interest fee period – and it would be a waste of effort for everything you just did.

I use the 0% balance transfer cards as a ‘buy now – holiday later’ option – but it requires discipline. You MUST make the minimum repayments (and ideally more!) and budget to pay off the entire amount before the end of the interest free period. You do have the option to re-transfer this balance to another 0% card – but I have never done it, and so cannot tell you how easy/hard this would be (and I would try an avoid multiple transfers in a short space of time – it can adversely affect your credit in some countries.) Either way – I am of the firm belief that giving yourself an extra 12-18 months to pay off a holiday is fine – but don’t screw yourself over – budget to pay it off and take advantage of the ‘free overdraft’ you would not otherwise have had.


Credit Cards with Points: afford travel

I’ve included these as a afterthought, as they have been mentioned by a few readers, but I have mixed thoughts. We have a credit card linked to a frequent flyer program – and make all our purchases on that card and pay it off every month – and yes the points can rack up quickly. But we have never spent them. It may be that I am in the habit of searching for the cheapest fare and booking – regardless of the airline (although I do have my preferences – Long haul: Royal Brunei; Emirates and Qatar; Budget: AirAsia, JetStar (Aus) & Easyjet, Jet2 (UK)). I think that we may as well collect the points on every purchase. But understand that we will get the most value from these when we are travelling internally in Australia (as although we have points, they don’t stretch to international excursions!)

As for the USA – it’s a whole different ball game. There are so many cards/points offers and for travelling interstate they can be amazing – and from other blogs I read by American’s – they are one of the best ways to save money and maximize your travel. However I’m not convinced the same applies in the UK. With so many budget airlines and easy access to anywhere in Europe – I wouldn’t be so hasty to pick an airline and stick to it. The competition is so fierce for short haul routes that I don’t really believe that Frequent Flyer programs – particularly when they are run solely as ‘reward programs’ rather than jointly with a credit card (as they are more often than not in the UK) are worth the effort.

As an example – we were part of a reward program with Qatar (when we were flying backwards and forwards between the UK & Aus) and over 2 years collected enough points for one short haul flight within the middle east – which we never had the opportunity to use. These points have now expired and so the membership was largely a waste of time. The same thing happened to us in Asia – we were members of AirAsia’s BIG program and collected lots of points throughout our travels – but again, never had the opportunity to use them – and of course, they too have now expired.

In summary, I think Point & Miles are: A great initiative in the USA, and perfect for those who travel a lot interstate. Are of average benefit to those in Australia. And are pretty worthless for those in the UK! But don’t feel bad UK readers – you have the best access to practically all of Europe (and beyond!) at knock down prices – so what are you waiting for – get out there and explore! :-)

So there you have it – my hits and tips to saving money – and the smartest way to stretch your money – that I know of!

Need more tips? Check out Nomadic Matt’s post about How to Save Money for Travel – there’s 22 of them!

Now that you’ve read my hints and tips – please let me know what yours are – I’m always interested in hearing new tips and trip to help to save for travel!

And if you liked this article, please pin and share it – I’d really appreciate it

**Please note that I am not a financial advisor and any advice offered here is general and not tailored to your particular situation. Please ensure you can afford any credit card debt you take on before it is incurred** Afford Travel



Wednesday 21st of December 2016

Cooking for yourself and not drinking out (much) were the main things that allowed to only have to work 3 months out 0f 18! We made out own packed lunches, took water bottles and allowed ourselves to go out for coffee every Sunday. We avoided typical tourist traps and I spent hours searching for the best deal on flights and hotels. do great deals and you get a free night every 10 nights! I also use to book everything through and built up a lot of extra cash. It drives me mad when people think you have to have loads of money to travel..... you just need a bit of common sense!!


Wednesday 21st of December 2016

I hear ya!!


Monday 12th of December 2016

An impressive share! I have just forwarded this onto a friend who had been conducting a little research on this. And he in fact ordered me dinner simply because I discovered it for him… lol. Thanks veryyy much for sharing this price worthy info.

Arzo Travels

Monday 17th of October 2016

I am so bad with savings but fortunately I do not drink alcohol or smoke cigarettes so I save a lot of money, haha. Great tips.


Monday 17th of October 2016

Thanks Arzo - and good on you for not drinking or smoking!


Wednesday 27th of July 2016

This is a great post! Makes me realise I'm not as diligent as I used to be with saving. ?


Thursday 28th of July 2016

Thanks Lauren! It's surprising what a difference little changes make :-)


Tuesday 21st of June 2016

very useful tips indeed Vicki. We are like you in the sense that we have full time jobs and we love to travel, we love to meticulously plan out our journey and get done with the bookings in advance. We follow some of things that you mentioned like booking in one shot on cc and paying off before interest period, searching for a good deal etc. Many a times, we try to cut off the middle men while booking our stay. We directly shoot mails to hotels and homestay and get a better deal most of the time than booking through agencies. Learnt some more of the tips from here..

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