Poor People Can Also Travel for Fun

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Traveling on a Budget AKA How To Vacation on a Dime

Yes, Poor People Can Also Travel for Fun

Vacations and traveling are fun but can get really expensive. Hotels, flights, rental cars-these all add up scarily quickly. So how can you see the world and enjoy your vacations without breaking the bank?

The best way to travel on a budget is by utilizing credit cards. There are some who manage to do crazy expensive trips just using credit card points and perks. Check out DansDeals or Million Mile Secrets  for advice on how to do that. I am going to focus on some easier and simpler ways to use credit cards for travel.

travel on a budget

The concept is simple: open a credit card, spend the minimum spend to receive the sign-up bonus and then open another credit card and do the same thing. DO NOT SPEND MONEY ON A CREDIT CARD THAT YOU CANNOT PAY BACK IMMEDIATELY. The point is not to rack up credit card debt but to put your regular spending on a credit card that will give you the most bang for your buck. I will be talking more about my rules for credit cards in a later post.

How to Travel on a Dime

My Three Favorite Cards:

  1. IHG credit card- This card gives a nice sign-up bonus but also gives you 1 free night at any IHG hotel once a year. There is a $49 annual fee but it is worth it for the free night you get! IHG also has 5000 point promotions where you can book rooms at select hotels for 5000 points. This can stretch your points pretty far if you plan correctly! This card also has a low spend required for the sign-up bonus which makes it a pretty sweet card!  I love the anniversary nights which gives you a free night every year at basically any one of their hotels, depending on availability. My husband and I have used this to even get away in our own city when we couldn’t afford flights or rental cars. A nice dinner and then a night at a really nice hotel makes a really nice special night away and is a good enough vacation to make you feel recharged and ready to deal with life.
  2. British Airways Card– This card has an $89 fee but gives you British Avios which can be used on many airlines both domestic and international. I think this card has the most flexibility for international flights which is why I recommend this card.
  3. Barclays Travel– The Barclay Arrival Plus has a $89 annual fee (waived the first year). This card gives you points back on travel related purchases (besides for the nice sign-up bonus). This card is great if you want to travel on budget carriers because you purchase a ticket and then use the cash back to pay for it.

If you are creative, okay with being limited in your flight and hotel options than you can do some great trips for cheap! There are other credit cards that you can use as well: Jet Blue, Chase Sapphire, Southwest, Hyatt etc. Do some research and figure out which is the best for where you want to travel!

Of course, you can also use cash to pay for vacation as well. Read here how I booked my first family vacation in 7 years thanks to some frugality, budgeting and an Airbnb promo code!

Pass the Beets! Grocery Shopping on a Budget

Part of this post originally appeared in an article on Student Loan Hero’s Blog. Read the full article here.

My Unconvential Advice to Help You Grocery Shop on A Budget

This one shopping hack will save you money at the grocery checkout!

We’ve all heard the common advice about shopping on a budget: make a list and stick to it. We’ve all heard it. Plan out what you need and then only buy what you need. Meal plan, meal plan- we’ve all heard it! However, when it comes to food shopping however, I say: do the opposite!

Don’t Meal Plan!

When shopping on a tight budget, I go to the store, see what’s on sale and then plan my meals around what I buy. So I do meal plan- but based on what I bought, I don’t buy based on what I plan. Tomatoes are on sale? Go home and google tomato recipes. Canned corn is on sale? Look in your cookbooks for recipes with corn. Some of my favorite food recipes I found because I was searching what to do with food that I bought. And you will discover new foods that you like. I had a memorable two weeks where I tried tons of beet dishes because beets were dirt cheap. Turns out my kids really like beets! Really. My 6-year old will down a whole serving of beets for a snack. Who would have guessed? Not me. I would have assumed that he wouldn’t like them and I would probably have never though to ever include them in a meal. It would never have made my way onto a grocery list. Once I bought the beets I had to research how to serve them and I realized that there were so many ways to prepare them. They are also great plain- just roasted or boiled. They are also super, super healthy so score!

Obviously don’t buy two pounds of a random grain just because it was on sale if you never tried it before. You may not like it and that would be a huge waste and not particularly budget friendly! But once you do try it and love it, run out and buy some more- some for eating and some for stocking up.

Stock Up on Basics

It’s a good habit to buy one extra thing that is on sale to keep in your pantry. When a staple or a favorite goes on sale, buy it and put it in your closet. If you have basics in your pantry, you will be less tempted to buy takeout or run to the store when you are hungry (a notorious budget-buster!).

Remember, prices on food are very seasonal and location-dependent so not every cheap and budget-friendly recipe will be cheap and budget-friendly FOR YOU. That is why you have to know what you can afford before you plan what to make. See what’s on sale before you decide what to make. When you have a preconceived idea of what you MUST make for dinner or what you NEED to buy its very hard to leave the store without it- even if its more than you want or are able to spend.

When you plan your meals around what’s cheap and available you can stay within your budget and eat deliciously even when you’re tightly budgeted. Don’t fall into the trap of finding delicious recipes online that have exotic or expensive ingredients and then go buy them. Buy the ingredients and then go find the delicious recipes!

The easiest way to do this is to not meal plan at all but to create Building Blocks with all the great deals you find shopping. Its sort of meal planning with a twist.  

Read more about Eating Healthy on A Dime!


Do you have more tips on how to save money on food? Hit the comments!


Read the full article here: https://studentloanhero.com/featured/money-saving-tips-mommy-blogger-secrets/