The Traditional Struggles of Not Having “Enough” Money to Travel and How to Break the Cycle

April 12, 2018 No comments exist

101 Ways to Save Money for Traveling

by: Giselle Blanco

Travel savings

Throughout my life, there have been moments of prosperity and poverty. Having lived both sides of the spectrum, I believe the experience builds your character. I’ve become a humble and appreciative person. I don’t take life for granted. I’m grateful, for being able to experience the best and worst of what life has to offer. I’ve always dreamed of traveling the world, but never had the means to do so.  As a child, my brother, sister and I would spend hours watching a VHS tape of how to plan the perfect Disney Vacation. We would play it over and over again, day dreaming that one day, our parents would take us…but that never happened! We didn’t spend much time together as a family and till this day, we have never been on a family vacation either!

Most people would agree that traveling is expensive! If the average adult doesn’t have enough savings for emergencies, then having money for traveling is not likely. Especially for a single parent, like myself. Despite working consistently since the age of 13, I only have enough to make it through three months, if I budget accordingly. It is time for an intervention! An intervention that teaches people how save enough money for unexpected emergencies and enough to travel and live life freely.

Not having money to travel should never be the reason to not travel. Don’t let numbers discourage you! People have traveled the world, with nothing!  If you want something different, then you must be willing to do different things. When I started my research, I had exactly enough money to pay bills. It was rough. I struggled for three consecutive years, just making enough to pay my bills and nothing else. I tried my hardest not to fall into a state of depression. That would make my situation worst. What I didn’t realize at the time is that in order to achieve what I wanted; I had to believe that I deserved it. It was more of a mental process versus a financial problem. In order to achieve what you want in life, you need change your mindset and release positive energy into the universe. Once I started practicing the laws of attraction, everything started to change for me. I looked better, felt better and was genuinely happy about life; regardless of my struggles. Be grateful and thankful! Once you focus on what you want, you will achieve it. Focusing on what you don’t want is a negative way of thinking, and it is what you will continue to attract in your life. I highly recommend that you read The Secret by Rhonda Byrne. The documentary is also available on popular steaming channels such as Netflix and Hulu. It has truly changed my life and the way I look at the world. My hopes are that it will impact your life as well. In the next section, I am going to share my secrets on how I starting saving money to travel. I am going to help you break the cycle in hopes that this advice will encourage you to take action and begin traveling real soon.

The first tip for saving money (to travel) is to remember why you’re doing this in the first place. Remind yourself every day about your goals. Put a picture on your wall, or a map with pins and strings to mark your dream around the world route for constant re-validation. Saving money takes discipline, but anyone can do it if they set their mind, and pockets to it. The process of saving money in order to travel may seem like a challenge, especially if you have already done the obvious like cutting cable and home phones, minimize dining out and eliminating use of credit cards. I’m going to provide you with 101 innovative ways to save money for traveling that will have you flying in the skies in no time. These are my personal strategies on how I saved money to travel as well as tips I learned along the way through research and personal saving journey.

1. What is your goal?
Think about what exactly you are saving for? Be specific! Write down where you want to go and when. This will help shape your travel budget.

Create a savings plan. A good savings plan will have 5 steps:

  • Assessment – Compare vacation plans to the reality of your financial situation. Is it feasible, or are you dreaming too big? Make hard decisions. Be honest with yourself. Once you’ve got a general idea of your vacations overall cost, compile a spreadsheet that lists your income vs. your expenses to see how everything stacks up.

  • Setting goals – Your savings plan should comprise several goals, short-term and some long-term goals. List your goals in specific numbers and don’t be shy to shoot high. But, not so high it kills your enthusiasm for your dream trip (people have traveled around the world with nothing!)

  • Creating a plan – This savings plan details how you’ll accomplish your goals. This could be done by removing unnecessary expenses, setting a strict spending budget, or adding additional income to meet your goals.

  • Implementations – Put your plan to action and maintain it.

  • Monitoring and reassessment – As time passes, your plan will evolve as your spending habits change. Take a look at your progress every month and scrutinize the budget for possible adjustments.

2. Emergency Savings
Regardless of what your situation is, before setting a travel goal, I recommend that you save at least $1000 for emergencies. Although, $1000 will not cover months of expenses; having it is more secure than not having it at all. Do this before doing anything else. I thought this was impossible, but turns out to be easier than I thought. What I did was set an automatic transfer from my checking to savings account. Since I get paid bi-weekly, I set an automatic transfer of $150 every two weeks on pay day. As soon as my paycheck is available, my bank would automatically transfer $150.00 into my savings account, before I even started paying bills. I wouldn’t even feel the hit and in four months, I had saved $1200! By the end of the year, I had $3900 that I didn’t have before. This strategy has truly changed everything for me and I know it will change things for you too! Even if you can’t commit to $150 every two weeks, set an amount that you know will not prevent you from paying your immediate bills. I started with $25 and have been able to increase it to $150. As part of my monitoring and reassessment, I increase the amount deducted as my debt decreases, making more room to save!

3. Money Saving Challenge
Commit to a saving challenge. My favorite is the 52 week challenge. Theoretically, this is supposed to start the first week of the year and last until the end of the year, 52 weeks later. Week one, you will put $1 into a jar. Week two, you will put $2 into a jar. Week three, $3 and so on and so forth. If you do this right, without cheating or dipping into the jar, you will have $1378 saved in your jar by the end of the year. This can be used as spending money for your next vacation. Want to take it a step further? Double what you put in the jar and save $2756 by the end of the year. Download 52 Week Money Challenge.

4. Budgeting
Track the amount of money you spend and set limits on expenditures. Set limits for spending on dining out, groceries, shopping and recreational. Your first priority should always be to pay off your residual bills such as rent/mortgage, utilities, credit cards, student loans and car notes.

5. Create Barriers
Areas where you keep overspending or where it is easy to overspend can be neutralized by using cash envelopes. Get a stack of envelopes and label them with the item/service and set a limit amount of how much you can spend in cash. Just take the money out that you are allowed to spend and only spend that cash. Take it a step further and reduce the amount you usually spend. Save the rest!

6. Keep Your Accounts Separated
A great savings tip is keeping your checking account in a separate bank from your savings account. Having easy access to transfer between accounts makes it temping to dip into your savings at any given time. Keeping your accounts separated limits that temptation. Out of sight, Out of mind!

7. Unexpected Income
Unexpected income, such as income tax refunds, lottery winnings or “bonus” checks should go directly into your savings account. Don’t view this as “extra” money. Remember, your goal is to save money to travel, without having the burden of bills when you return.

8. Keep the Change
Keep a jar or piggy bank to save loose change. All the change you find in your purse, wallet, pant pockets and couch cushion really adds up. I save loose change to deposit into my daughters savings account.

9. Auto-Pay
Paying your bills on auto-pay ensures that you bills are paid on time and in full to avoid any late fees. As an incentive, some creditors offer a small bonus or discount simply for setting your account to auto-pay. For example, you can save up to $5 a month with T-Mobile by setting your account to auto-pay.

10. Bi-Weekly Cushion
If you get paid bi-weekly, consider paying your bills two weeks in advance! This is much easier than you think. Once you have calculated your immediate expenses such as rent and utilities, buy a money order for half the amount of your rent one week, and the following week; buy the second half. If you do this with all your bills, you make smaller payments every two weeks instead of a lump sum once a month, giving you an advancement of two weeks.

11. Debt Counseling
Manage your debt with a Free Consumer Credit Counseling Services is a great way to consolidate your debt. CCCS are a network of non-profit counselors that will work with you and provide confidential services. There services range from creating a budget, exploring options and negotiating with creditors to repay your debts. There is no obligation and there consolation advice is free of charge.

12. Negotiate with Creditor
If you’re making monthly payments to creditors on time, you’re in a great position to negotiate lowering your interest rates. Call you creditors and inquire about reducing your rates or complete balance transfers to consolidate your debts.

13. Refinance your Student Loan Debt
In the last few years; a new crop of online lenders has begun offering lower rates for student loans, which, for today’s graduates, averages about $35,000. Most of these lenders offer rock-bottom rates for people who come from top schools, had good grades, have solid incomes and a strong financial history.

The most popular —LendKey offers savings of $14,000-$17,000 for people who refinance their student loans through their services.

14. Switch to a credit union or community bank.
Because credit unions are non-profit, they generally offer lower rates and prices for various financial products and services such as loans, and higher rates on savings accounts. Plus, they are likely to have fewer or less stringent requirements for accounts such as minimum balances. Just beware they may also offer fewer perks and features.

15. Save for Retirement Early
The sooner you start saving for retirement, the better. Don’t just save money in an account. Look into retirement plans with your employer. Most employers match a percentage of your retirement plan. What’s valuable about retirement plans are their compound interest. If your employer doesn’t offer a retirement plan, you can set a retirement plan independently using a TDA account. Talk to your employer and personnel representative to explore your options.

16. Investment Development Account
If you have low income, don’t be discourage. You may be eligible to participate in an IDA program where your savings are matched. In the long run, you can save double of your investment.

17. Get a Health Savings Account or Flexible Spending Account.
Pay for your health expenses tax-free with an HSA or FSA. If you have employer-sponsored insurance, ask your employer if they offer such a program, or lobby for one if they don’t. If you’re buying your own health insurance, you qualify for an HSA if you have a high-deductible health plan with a minimum deductible of $1,300 for an individual and $2,600 for a family. In terms of how much you can contribute, the limits are $3,350 for an individual and $6,750 for a family, with an additional $1,000 in catchup contributions for those 55 or older. With an FSA, you can put $2,550 toward medical expenses with pretax dollars. Talk to your employer!!!

18. 529 Plan
Don’t wait until junior is in high school to start saving for his college education. Similar to a TDA account, 529 Plan is a college savings funds that is tax friendly and grows interest. It is a tax deferred account issued by the state you which you live in (pay state taxes).

19. Use a Flexible Spending Account for child care costs.
If your employer offers FSAs, you can spend up to $5,000 year on child care tax-free.

20. Share a Nanny
If you can’t rely on family or company on-site care to watch your children, and day care isn’t an option, you can share a nanny with another family, slashing the costs.

21. Term Life Insurance
Insurance is not an investing! If you’re stuck paying an expensive whole life policy, choose a more affordable term life insurance policy. Universal and whole life insurance policies are much more expensive and offer a minimal investment opportunity. You’ll be better off with a cheaper term life insurance policy. You can find the policy that works best for you with National Family Assurance

22. Rewards Program
Who doesn’t love free stuff? No matter where you live, you’ll find retailers who are willing to reward you for shopping at their stores or online. There are hundreds of rewards programs willing you give you points, discounts, special promotions or free offers in return of a purchase, referral or using their services. Points can be redeemed for similar purchases or use of services. Collect every possible reward card you can. This is a great way to get “more bank for your buck!” Check out MyPoints, SwagBucks for cool ways to earn points and cash!

23. Couponing
To save as much money as possible, use coupons in conjunction with your grocery shopping list. There are also coupons for entertainment and services.

24. Get The Sunday Newspaper
The Sunday Papers are full of coupons! The amount of savings gained by using these coupons/retailers will far exceed the cost of the paper.

25. Don’t save your credit cards numbers on your accounts
Some retail sites make it easier for you to shop by storing your credit card on their site. Don’t do it! Having easy access to purchase items will temp you to buy things you don’t need. Having to manually enter your information will make you think twice about reaching for your wallet.

26. Keep Your Credit Cards at HOME!
Don’t carry your credit cards with you in your wallet. Keep them at home in a safe place.

27. Use Debit Cards versus Credit Cards
Credit Cards are not “extra funds.” In fact, it’s the complete opposite. Credit cards should be used for emergencies-only! If you have to make a purchase, paying off your balance sooner than later will reduce accumulating interest. Using your debit card does not charge you interest, which prevents you from accumulating more debt. In the following chapters, I will discuss how to make an assessment of credit cards, which ones you should own for traveling and how to manage not over exceeding your credit card usage.

28. Bank ATM
Using the ATM from a location other financial institution may seem like no big deal. If you pay $3 per transaction a week, that adds up to about $150 a year. Using the ATM at your bank will save you money from paying transaction fees.

29. Pay In Full
If you use your credit card, be mindful of how much you spend and the interest that will be applied to that purchase. Paying off your debt in full at the end of the month is a great way to save since you will not be hit with outrageous interest fees. This will also raise your credit score.

30. Reducing Credit Card Debt
Realistically, you want to pay off your debt as soon as humanly possible. Aside of the $1000 emergency savings, saving $1000 to pay off credit card debt can save you up to $300 a year, perhaps more depending on your balance and interest rate. Personally, any unexpected income that I receive, I use it mostly to pay off credit cards. Strategically, I use specific cards that earn travel points. This is discussed in depth in the following chapters

31. The Unsubscribe Effect
If you’re an online shopper like myself, one of the best ways to avoid impulsive shopping is by unsubscribing to your favorite stores email list. No email means, no view of the weekend sale.

32. Cancel Subscriptions You Don’t Use
Do you have club subscriptions that you don’t use? If so, cancel them! If you’re paying monthly fees for memberships that you don’t use, then you might as well just flush the money down the toilet.

33. Cut the Gym-Work Out at Home!
Getting enough exercise can do wonders for your body. Regular physical activity can slim down your waist, strengthen your heart, and prevent sickness. You don’t have to pay an expensive monthly gym fee to stay active. You can get inspired with fitness videos available on YouTube, for free!

34. Match the Cost
Match the cost of your indulgences spending. For example, if you spend $5 a day at Starbucks, then match the cost of that Cup of Joe and save it. Think of it this way, if you can’t match the $5, then you can’t afford that expensive coffee cup.

35. Purchase versus Hourly Wages
Next time you have an impulsive urge to shop, calculate how many hours you will have to work to afford that item. For example, if a jacket cost $80.00 and you get paid $10 an hour, ask yourself if the jacket is worth 8 hours of work.

36. Layaway Plans
Many stores offer layaway plans. This is a great way to make small payments on items. Stick to a layaway budget and make sure you make payments on time so you do not lose your item or get hit with late fees.

37. Avoid the Mall
Stay away from the mall! Window shopping when you’re on a budget is pure torture. If you really need to purchase something, try visiting an outlet where you can get items at wholesale prices.

38. Food Budget
Having a set budget on groceries and dining out is better than not having a budget at all. Use Illuminate to take your expenses.

39. Make a Grocery List
Create a grocery list and stick to it. Not having a list will typically result in buying things that you don’t need or overspending on your food budget.

40. Shop at Discount Stores
If you’re looking for another easy way to save money on your rising grocery bill, discount grocers are a great way to do that. You’ll do your grocery shopping like normal, but you’ll notice the hit to your wallet is a lot softer.

41. Buy Local
Buying your fruits and vegetables from local farmers market accomplishes two things, you help grow your local economy, and you keep more money in your wallet.

42. Food Packaging
Have you ever noticed the price difference of buying a block of cheese versus granted cheese? The grated version is usually more expensive due to convenience packaging. Instead of paying more for convenience, grate your own cheese; make your own carrot sticks.

43. Store Brands
No need to spend more money on a “name”. You’ll get the exact ingredients for a fraction on the cost just by  buying the store brand instead. Think there’s a difference with big name brands? The only difference is packaging and pricing.

44. Buy produce in season.
Doing so can save you 30%-50%. There is a reason blueberries are expensive in the winter.

45. Grow Your Own Herbs
Herbs can easily be grown indoors on a small windowsill or outside in pots or gardens. They will help you save on buying expensive grocery store jars of seasonings, will taste fresher, and can be easily dried and be stored.

46. Plan Your Meals
A great way to save on food cost is to plan your meals in advance. Prepare generous portions and use the rest as leftovers during the week. In other words, cook in bulk-but not too much where you’re eating the same meal for two weeks! Not only will you save money, but time as well.

47. Plan Around the Sales
When you sit down to plan out your meals for the week, the sales paper should be your guide. Is chicken on sale this week? Then a lot of your meals should include chicken. You can plan your whole week around which proteins and veggies are on sale.

48. Plan for “I don’t want to cook” Nights
There are moments when you just don’t feel like cooking! Plan for those moments by preparing meals in sectional Tupperware and then freeze them. When it’s time to eat, take it out to defrost and nuke it in the microwave.

49. Watch What You Eat
Similar to getting enough exercise, what you eat could have a significant effect on your health, which then impacts how much you spend on your health. Eating a lot of bad food can lead to obesity or poor nourishment, which then typically leads to more medical bills.

50. Bring Lunch to Work
As part of planning your meals; include what you will eat for lunch at work. Buying lunch every day is a useless way to spend money. You can save hundreds of dollars annually by preparing meals to bring to work.

51. Dining Out
Ever heard the saying “why go out for burgers, when you have steaks at home?” My translation to this quote is simple. Why go eat out when you can eat at home? Minimize dining out. If you’re going to dine out, do so during a special occasion and go to places that are offering discounts or meal perks.

52. Ordering Take Out
Instead of ordering take out, use that money to go grocery shopping. Preparing meals at home is cheaper and healthier.

53. Avoid Fast Food Chains
There is a reason why fast food items are cheap and convenient. There no good for you!

54. Drink More Water
Drinking a big glass of water before meals will have you consume less food and save money on your food bill. Not only is this healthier for you, it’s usually free when dining out.

55. Buy a water bottle, don’t buy bottled water.
Why pay for what you can get for near free out of your tap? Get an affordable, but efficient water filter such as Brita!

56. Eat Breakfast
Having a hearty and healthy breakfast in the morning will keep you full for most of the day. Eat a light lunch and dinner. This will also keep you healthier.

57. Clean Out the Pantry Every Month
We all have random cans and packages in our pantries, freezers, and fridges. Often, we end up throwing that food out later because we’ve forgotten about it until after it expired. Make sure you use up the food you’ve already purchased by planning a no-shopping week once every couple of months. That week, your mission will be to eat up all the food you already have without adding to the stockpile. This is a great time to practice some culinary creativity.

58. Dollar Store Household Items
Get to know your local dollar stores. Buying household staples like tape, wrapping paper, soap, toilet paper, garbage bags and other items will save you a bundle over the grocery store or pharmacy.

59. Reuse Containers
Don’t buy expensive tubber-ware when you can reuse many common kitchen containers in drawers, closets and around the house.

60. Holidays and Special Occasions
Plan gifts in advance for special occasions and holiday. This will give you time to decide on thoughtful gifts. Create a spending limit of gifts with your family that way everyone spent an equal amount on each gift, without going over budget.

61. Make Your Own Gifts
If you want to give a generous, thoughtful gift and save money, creating your own homemade gifts will accomplish both. Do it yourself projects such as making candles, jewelry, baked good and all kinds of other knickknacks can be easily made, inexpensively.

62. Buying in Bulk
Some items such as spices, canned goods, nuts, household products such as paper towels, laundry detergent and toothpaste are best bought in bulks because of their life expectancy.

63. Talk about Abundance
Referring to the Law of Attractions, talk about positive wants. If money is what you want, then talk about it in a positive way as if you already have it. We pretend that money doesn’t matter, which is a lie. It’s not what money can buy, but the freedom of living knowing that money is not a priceless!

64. Travel Saving Mindset
This advice is all about getting you motivated and excited about traveling. If you have a positive mindset about what your goals are, then you’ll have a positive mindset when it comes to budgeting.

65. The Stance of Power
Grab life by the horns and hold on to them! Research shows that people who feel powerful tend to save more money.

66. Assessment of Self
It is important to understand yourself and your spending habits. Take a self-assessment test to see what factors impact your spending habits.

67. Create a Vision Board
I advise you to create a “vision board” for your saving goals and hang it where you will see it daily. Add pictures, text and content that will remind you of your ultimate goal, which is saving money for traveling. Blank checks, pictures of places you’d like to visit, a credit card statement with the words “paid in full” are all great content for your money saving vision board.

68. Distances Yourself from Financially Irresponsible People
One of the most difficult decisions I had to make in life was distancing myself from people that are irresponsible with their money. Sharing your goals and dreams with your loved ones is normal. That’s what friends are for, right? If you share your interest with people about saving money to travel, and they support your goals by doing to complete opposite, distances yourself from those people until you have reached your goals. By no means, do I advise you to stop being friends. My advice to you is to stick to your goals, even if that means you have to distance yourself from people until you have met your mark.

69. Change Your Social Habits
Surround yourself with people that have the same end-goals, to save money for traveling! Who would you want to travel with? Perhaps, you can partner up with a friend and start the saving process together! Socialize with people who are supportive of your goals. The last thing you need is someone encouraging you to go out, spend money you don’t have on things you don’t need, especially when they know what your goals are. Those are called “dream killers!” Stay away from those kinds of people.

70. Avoid Impulsive Spending
Give yourself a day or two to think about what it is you’re buying. Do you really need it? If you are still thinking about the product/service a day later, then it’s safe to say that you can purchase the item without “buyer’s remorse.”

71. The 30-Day Rule
Take your impulsive spending habit to another level by applying to the “30-day rule.” One of the most important rules of improving your personal finance is waiting 30 days or more to decide on a purchase. The theory behind this is that after 30 days, your urge to buy has passed. If you’re indecisive about the purchase, waiting 30 days will give you more clarity of whether or not you really need to make this purchase.

72. Avoid Stress-Spending
Shopping when you’re stress to make yourself “feel better” is never a good idea. You will likely spend money you don’t have on things you don’t need.

73. Because it’s on Sale
I get emails all the time from retailers announcing sales. This is great if I’m actually in need of something, but it’s not so great if I end up buying something you don’t need simply because it’s on sale. Avoid buying things just because it’s “on sale”. Of course, if this is something that you truly need and it’s on sale, then go for it!

74. Keeping up with The Joneses
Don't just spend because you want to be the one with the best gadget or you're trying to outdo the neighborhood. Make sure your spending is not just for the sake of appearances, but instead is for things that truly matter.

75. Transportation
According to the Bureau of Labor Statistics, car notes and insurance are considered the second largest household expense. As a native New Yorker, my transportation consists of walking or public transportation. I’ve never had a driver’s license or owned a car. I personally don’t need to in New York City. Even when I travel, I manage to get around using Uber, Lyft, SuperShuttle or other forms of transportation. Depending on where you live, you may want to consider walking or biking as a means of transportation. You can even earn points towards gift cards walking. This is only a suggestion, which may not apply to people that live outside of a metropolitan area. Check out Sweatcoin, the APP that gives you points for walking. Redeem them for gift cards to your favorite retailers or services.

76. Car Pooling
If public transportation or walking is not an option, consider carpooling with neighbors, co-workers or friends to save the cost of gas, miles and tolls.

77. Use Your Car to Make Money
Sign up to be an Uber or Lyft driver on your spare time. Transfer that extra income to your travel savings account.

78. Side Gigs/Freelance
Are you a good writer? Can you do graphic design? How about coding? There are plenty of ways to do freelance work via the Internet, and you can make good money if your skills are in demand. The downfall is that it often takes a several months to build up a client list and money to invest on tools needed, depending on what services you can offer, but many people are making a good living this way.

79. Research before Purchase
Before buying something; ask yourself “Do I really need this?” Separate wants from needs. There are things in life we need to survive like water, food and shelter. Then there are wants, such as iPhones, designer sunglasses and expensive clothes. Prioritizing wants versus needs is a great assessment to begin to save.

80. Save on Utilities
Convert your energy at home by turning off the lights, air conditioners and electronics when you exit a room or no longer using it.

81. Energy Light bulbs
Save on energy by using energy saving light bulbs. I didn’t think this would make much of a different, but turns out; I save about 60% more on my energy bill once I started using energy saving bulbs.

82.Smart Power Strips
Using a smart power strip to turn off power to electronics that are on standby mode is a great way to convert energy and save on your light bill.

83. Start using Rechargeable Batteries
If you burn through batteries frequently, then it's time to make the switch to rechargeable. You'll end up saving in the long run by ditching the disposables.

84. Install low-flow shower-heads and faucets.
That can drop your water usage by 25%-60%.

85. Cover Your Windows
Good insulation will help save on the cost of energy. Seal gaps around the windows and doors. This will keep the place warm in the winter and trap the cool air in the summer.

86. Turn Off the Television-Literally!
Watching less television will lower your electric bill and also minimize your exposure to sale ads. This can also encourage you to do better things with your time, like planning your dream vacation.

87. Cancel Your Cable Subscription
If you are paying for a monthly premium package, cancel it! Keep your internet service only. Get a steaming device such as Roku or a Firestick to save tons of money! Most popular television shows and movies are available on Hulu and Netflix. I gave up my cable subscription years ago, and never looked back!

88. Cut Your Landline
I can’t remember the last time I used a landline. Honestly, when I moved out of my mom’s house, I never installed a home phone. Cellphones do just fine. Why pay for two phone bills when you can just pay for one?

89. Expensive Smartphones
Wants versus needs! We may want the new iPhone X, but do you really need a phone that cost as much as your monthly rent? Stop going broke to impress people over material things such as smartphones and the latest electronics.

90. Read More
Reading is one of the most affordable entertainments and beneficially hobby there is. You can rent books from the library for free. Use this as a motivation to travel. Read books on where you would want to go, places you’d like to visit and visualize yourself there.


91. Start Selling, Stop Collecting
As consumers, we tend to buy things that we rarely need or use. If you have a collection of things sitting on your shelf, stashed in the garage or taking up space in your home; a great way to get rid of them and make money is hosting a garage sale. Anything from clothing, books, furniture and more can also be sold from your home or online on eBay or Facebook Marketplace.

92. Recycle for Cash-Sell Your Old Cell Phones
There are many programs out there, like Recyclebank which work with your waste hauler to give rewards for regular recycling. Such benefits include earning coupons for your favorite restaurants, supermarket gift certificates, and free magazines. You can also "recycle" old electronics for cash through sites like uSell, Gazelle and NextWorth.

93. Second-Hand Shopping
The last thing you should be doing while creating a savings budget is shopping. If you do, you should consider shopping at a second-hand store or thrift shop. Chances are, you probably have tons of clothes that you just don’t want to wear anymore. You can re-sell them at second-hand stores in return for cash or other items.

94. Barter
In a world full of frugal living, bartering is all the rage. If you have a particular skill set or some quality items worth trading make an offer to your friends and family and see what they are willing to trade. Your accounting expertise at tax time may earn you use of a friend’s timeshare. Or your neighbor might be willing to exchange his gently used dining table for your old lawnmower.  This will also get you in the habit of bargaining for everything while you’re on the road in developing countries.

95. Rent Out Space
Do you have an extra bedroom used for guest? Consider on renting out unused space in your home like a bedroom or garage. This is a great way to earn income off of something you already own. If you’re interested in hosting guest, consider putting up your place on TurnKey or AirBnB!

96. Timeless Pieces
Learn how you buy clothes that last forever that never go out of style. You can mix-match timeless pieces that go well together. Example: A plain black dress will never go out of style. Add a blazer or a pashmina to create a new look.

97. Free Events Near You
Check out the free events in your neighborhood. You’d be surprised at all the wonderful things you can do for free. Most communities have an events calendar where you can find things to do and places to go.

98. Vices like Alcohol, Cigarettes and Coffee
If you smoke cigarettes-quit! This is easier said than done. I know, since I was a cigarette smoker for over 20 years. To conquer this challenge, you must want to quit, which I did with the help of E-Cigs. Electronic cigarettes are very affordable and give the satisfaction that you would get from smoking tobacco cigarettes, without the tobacco. It’s also healthier and a step closer to actually quitting for good!

If you’re going to have a drink, consider having it at home. Same applies to coffee! Coffee is a great item to buy in bulk! Instead of spending $5 a day at Starbucks, drink coffee at home or take your own cup on the go!

99. Pampering and Grooming
We all want to look good and feel good, but spas are a serious expense. Skip out on the short-term luxury of self-pampering and save the money for a life-changing, long-term luxury of traveling. Give yourself your own manicures and pedicures.

100. Haircuts and Coloring
If you get haircuts and/or colored once every two months as opposed to once every month, you’ll save 50% and will still look just fine. Considering the cost of hair care, over the course of a year this could really add up. Of course, stick to a simple style that is easy to manage and maintain.

101. Dry Clean Less
Find ways to hand wash items yourself, or try Dryel or other in-home dry cleaning kits to save big on professional dry cleaning.

Congratulations! You’re 101 steps closer to Vacationing Sooner!


Disney Vacation for My Daughter's 8th Birthday 2017

Disney Vacation for My Daughter's 8th Birthday-2017

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