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Archive for ◊ November, 2011 ◊
Planning a Round-the-World Adventure: How to Budget for Your Trip
This is Part Three in a Series dedicated to travel tips and lessons learned while planning for an extended Round-the-World (RTW) Adventure.
Aside from our favourite countries, a popular question we often get asked by our readers is, “How do you budget for long-term travel”?
Budgeting is one of the most important things to consider when planning a long term adventure, especially when it includes multiple countries. Prior to departing on our RTW adventure, we spent several months saving, researching and planning. Our trip would take us to over 35 countries on 6 continents, so we needed to be vigilant and stay on top of our finances.
Don’t Make This Common Mistake
While on the road, we talked to several travelers who had to change their itinerary completely or cut their trip short because they ran out of money too quickly. Obviously this is a mistake you want to avoid.
The common theme amongst these travelers was that they didn’t account for the differences in prices between countries. Most of them appeared to use a simple formula – budget X dollars per day, regardless of the location or what you plan to do at the destination.
Simply budgeting per day or 0 per day is not going to cut it. The problem is that most people group regions together without considering the differences in prices amongst neighbouring countries/destinations.
For example, food costs in Peru are much cheaper than Argentina, so this will obviously hurt your bank account if you based your entire South America budget on Peru’s prices ( per day works in Cusco, it doesn’t work in Buenos Aires). Similarly, the cost of hotels in Edinburgh city centre will be more expensive than the Croatian countryside, so budgeting per night for your accommodations throughout Europe is not a healthy way to budget.
Here are 7 Simple Tips to Build a Better Travel Budget
The purpose of this post is not to tell you how much it costs to travel around the world (there are far too many variables that impact this number), but rather to share 7 simple tips to help you budget for an extended trip around the world.
1 – Put together a loose itinerary
When we booked our around-the-world flights we had to commit to the hub cities that we would arrive and depart from. This was a good thing, because it forced us to create a general itinerary.
Keep in mind, this doesn’t mean that your itinerary has to be carved in stone. Our plans constantly changed and evolved, but we were able to budget more effectively by knowing exactly what countries we would visit. If you have a set amount of time you will be traveling then take the time to map out how many days you want to spend in each place – you’ll be amazed at how quickly your months fill up!
2 – Create a travel budget spreadsheet
The success of our RTW travel budget can easily be credited to our trusty spreadsheet (we returned home 11% UNDER budget). Remember, spreadsheets are a budget’s best friend.
Our budget for Buenos Aires, Argentina
Here’s what we recommend. For every country you plan to visit, you should create a separate section (call it a budget within the budget). Breakdown the typical expenses you expect, such as accommodations, food & beverages, transportation, excursions, shopping, misc, etc.
After doing some basic research on the destination, determine a value for each item and multiply by the number of days you plan to be there.
Using the Buenos Aires example (see the image), we assumed per day for food and beverages, which totaled 0 for the 8 days we intended to stay in Buenos Aires.
The critical piece to this step is to consider what you plan to do during your visit. For example, if you plan to go snowboarding in the French Alps, have you accounted for lift passes and equipment rentals? If you are going to the Belize Barrier Reef, have you budgeted for scuba diving excursions and boat transportation between islands?
Repeat this exercise for every country you visit, similar to the image below. Once completed, add up each box and determine what your total budget should be for your trip around the world. If this number is much higher than you have in your bank account, it’s time to make some adjustments.
3 – Open a separate bank account specifically for your trip
By having a separate travel bank account that was not connected to our bank cards, we limited the amount of money that could be lost or extorted if we ran into trouble (read our story about getting robbed in Bangkok).
More importantly, it gave us a clear picture of how much money we had remaining at any given point. We used the balance of this bank account as the “top line” of our budget, which easily showed us if we were ahead or behind on our budget.
4 – Start saving!
Unless going into debt is your plan, you will need to start saving your pennies. There are hundreds of ways you can reduce your spending in order to increase your savings, but our greatest savings tip is to pay your travel account first.
If you need to put aside ,000 per month then do that first, before you pay your other bills. By doing so, you will quickly learn how much money you are spending on unnecessary things like eating at restaurants or partying at the bar. It’s amazing how little you really need to survive, and it will be good practice for when you are on the road and managing a tight budget.
5 – Update your budget as you travel
To be an accurate tool, you must continually update your spreadsheet as you travel. After each segment has been completed, update the budget by eliminating the box and adjusting the remaining funds in your travel account.
Let’s look at our Japan trip as an example. Using the spreadsheet above, we can easily predict the costs of that segment. Let’s assume the budget for our two weeks in Japan is ,000. Using online banking, we transfer the ,000 from our travel bank account to the individual bank accounts that are attached to our bank cards and/or credit cards. Then, we withdrawal our weekly expenses using our bank cards and/or credit cards.
Every two weeks, we take the balance of the travel account and input this number into the spreadsheet. This lets us know if we are ahead or behind on our budget, allowing us to react accordingly.
If you fall behind on your budget, you can reduce spending or make sacrifices until you get back on track. This forces you to make tough decisions – you can’t do everything!
6 – Account for everything
Long-term travel comes with several upfront expenses that must be included in your travel budget. Do you need to purchase international travel insurance, vaccinations or extra medication? Will you be purchasing a new backpack, hiking boots or digital camera? Will you be using an around the world plane ticket or will you purchase individual flights as you go? All of these items should be accounted for in your budget.
Do you have monthly expenses that need to be paid while you are away? For example, we rented our condo to tenants for the year, but the rent did not cover all of our home costs. We needed to pay an additional 0 per month to cover our home expenses.
Finally, don’t forget about your return home. Because we quit our jobs to travel around the world, we needed to return home with some money in the bank. Will you need to come up with a security deposit for an apartment rental? Will you need to pay for insurance to get your vehicle back on the road? Visualize your return and budget accordingly.
7 – Don’t forget about currency exchange rates!
During our RTW trip, we lost a lot of money on currency changes. The Canadian dollar was strong when we were saving for our trip in 2008, but a month before our departure it dropped dramatically (when compared to the US dollar). We lost about .20 on the dollar, which equated to about ,000!!
If your currency is weak, we recommend that you benchmark your budget against the US dollar. Currency fluctuations might also dictate your travel itinerary both positively and negatively, so be flexible and have a Plan B in your back-pocket.
Here are some more RTW travel tips.
Here are some popular posts from our RTW Adventure:
- Photo Blog: Snorkeling the Red Sea in Dahab, Egypt
- Pictures of Machu Picchu, the Lost Incan City in Peru
- The Mysterious Moai of Easter Island
- The Legendary Temples of Angkor in Cambodia
- From Backpackers to Bollywood Actors: An Interesting Day in Mumbai
- 17 Weird & Interesting Photos from Japan
Share your feedback and experiences in the comments section below!
How to Budget for a Trip Around the World is a post from: Traveling Canucks
Related posts:
- Win a FREE TRIP with Intrepid Travel!
- Drinking Beer Around the World – Part Nine
- Drinking Beer Around the World – Part Ten
- 13 Awesome Miniature Photos from Around the World
I am extremely thankful for my parents. They done have a lot but they are willing to do what it takes to provide for their family and give us what we want and need. I appreciate all that they have given me and the risks that they have taken. I am thankful for my grandmother for always encouraging me to be the best that I am and to follow my dreams. I am thankful for Bonesthe show and AudioB5 b
Travel Blog | Travel Journals, Diaries and Photos
When planning a vacation to another country, people typically want to maximize the time they will have there. It helps to have a good idea of what activities are available and of those, which are suitable for individual circumstances. No matter what the reason is for their visit, most travelers quickly discover a wide array of things to do in France. If you're out of passport pages, you will need to look into adding passport pages.
Take A Tour
An effective way to familiarize oneself with a place is to take a tour. Tour guides are generally well informed about their topics, and are equipped to share that knowledge with tourists. Visitors can choose to see the local sights by walking, which is a method many prefer. Additional options include tours that are conducted on buses, trains and other vehicles. If your passport is expired, you will need to look into passport renewals.
See A Museum
Countless travelers are delighted to take tours of various museums, which can please a variety of people. Both children and adults can be educated and entertained with trips to local historical museums. Individuals can also peruse an array of artwork when they visit the innumerable art museums that display paintings and sculptures.
Sample The Food
A major attraction for a lot of travelers, especially when visiting a foreign land, is tasting its particular dishes. The food unique to a country can both satisfy and intrigue, and is often prepared best by its native people. Grateful visitors can sample foods they have never seen or heard about and they can also bring home some wonderful recipe ideas. Sharing tempting cuisine with friends, family and others is a special way to appreciate local culture.
Sample The Wine
Those who appreciate wine will probably want to take advantage of the many ways to sample the beverage. While hotels and restaurants certainly provide access to countless fine wine varieties, there are also other methods of tasting them. Touring wine country and assorted wineries gives visitors a firsthand glimpse of how and where their favorite vintages are made.
Take Up A Sport
After a few days spent indulging in food and beverages, individuals sometimes feel the need to go outside. There are ample opportunities to see the sights while also breathing fresh air. For innumerable vacationers, taking some time to exercise is important and there are several ways to accomplish that. Many people choose to engage in various athletic activities, such as skiing, bicycling and hiking. Others may wish to enjoy the outdoors in a more leisurely manner by strolling through the city or the countryside.
The Nightlife
Once the sun has gone down, there are countless revelers who seek to celebrate and to relax. Those who search for nighttime amusement have a vast abundance of tempting options. Going to one of the innumerable discos is frequently an attractive choice, which enables travelers to meet other individuals. Nightclubs frequently feature live music for those who prefer to enjoy that sort of entertainment.
In conclusion, after deciding where and when to plan a vacation, the next steps frequently involve scheduling an itinerary. Remember, you may need to find out about adding American passport pages. Whether one is traveling alone or with a group, it is usually wise to learn of the activities offered at the chosen destination. Because there are so many fun and tempting things to do in France, countless visitors are inspired to return, as soon as they can. Don't forget, you may need to find out about adding passport renewals.
Agistri is located 45 minutes off the port of Piraeus which has a daily shuttle operating between the island and itself. On the other side of this journey is a beautiful island with unpolluted deep blue waters and lush pine trees. Apart from sightseeing its natural beauty, there are plenty of destinations that are worthy of discovering by tourists who visit the island.
Beaches:
Skala is one of the main tourist beaches on the island. Its popularity is enhanced by the fact that it has no rocky ledges protruding and has shallow, timid waters making it safe for both children and adults. It has several commercial services available; as there are sunbeds, umbrellas and food stalls dotted along to serve tourists. A big church in the vicinity is as popular as the beach amongst the tourists. Other beaches may serve more specific purposes, like the nudist Halikadha beach which appeals to tourists who are in a separate class of their own. Hence Agistri has something to offer for everyone and is the ideal vacation destination
Boat Trips to Surrounding Islands:
The small uninhabited islands around Agistri are also popular amongst tourists. These 4 islands are serviced by special boats that take interested tourists to Metopi, Kira, Spalathronisi and Darousa for snorkeling and other activities. Diving courses are also available for novices and to those with some experience.
Historical Sites:
The Agioi Theodoroi and Agioi Pandes are two chapels located in the midst of heavy forestation of pine trees. These two buildings are part of the roots of Agistri, and one can gather more information about the island from here than anyone else. The Virgin Mary Church at Metochi is another spot tourists may be interested in, and are led up by a path of heavy trees. Several other historical churches are found on this island.
To learn more about Island Agistri, search for Agistri images
I can practically hear the lines on your faces crease and change from a slightly bored dissinterested facial expression to pure glee.Yes I will admit I39m looking out the window at grey skies. Since being on the Gold Coast we have been unable to have one single 39beach day39. We39ve had one day of rain and lots of stormy clouds. But you twisted jealous lot its still been hot hot hot.
Travel Blog | Travel Journals, Diaries and Photos
Really. I39ve eaten delicious Peking duck excessive amounts of beef and pork plenty of seafood and every once a while even chicken. But I39ve hardly caught the faintest whiff of turkey since landing here. If it wasn39t for the Desautels an American family I39ve been staying with for the past 5 days I might have had to forgo turkey even on beloved Turkey Day. But you can all exhale
Travel Blog | Travel Journals, Diaries and Photos
Photo Essay: The Many Faces of Laos
Laos is one of my favourite countries in all of SE Asia. In the past decade it has gone from being one of the best kept secrets in the region to being a firmly established part of the banana pancake trail for backpackers. I’ve had the privilege of visiting both the southern and northern regions in both 2008 and 2010.
The following photo essay is from the capital city Vientiane and Luang Prabang, the cultural hub of the north.
Laos has some of the ‘friendliest’ and most genuine people in the region and I feel this is reflected well with this photo essay. You will notice candid and posed portraits of locals, monks and tourists. I highly recommend anyone considering a trip to SE Asia to ensure they pencil in some quality time to be spent in this fascinating country know for its chilled out demeanour and hospitality.
A local fisherman casting his net in Luang Prabang
Some cute girls pointing – Vientiane
Two smiling monks walk down the side-walk with sun umbrellas – Luang Prabang
A candid moment where this girl is happily playing with her friends – Luang Prabang
Monks either texting or playing games on their cell phone – Luang Prabang
Two ladies with baskets of fruit wait for potential customers – Luang Prabang
A monk walks down the street carrying an umbrella – Luang Prabang, Laos
A young lady talks on the phone outside of her stall at the night market – Luang Prabang
A lady makes eye contact with one of her potential customers – Luang Prabang
An elderly man with a candid expression – Luang Prabang
A lady carries some refreshing drinks filled with ice inside plastic bags – Vientiane
A smiling mother holding her child with a sucker – Luang Prabang
A cute local girl – Luang Prabang
An adorable girl flashes a smile towards her mates on the playground – Luang Prabang
A lovely couple posing for the camera – Vientiane
A tourist alms giving with local monks – Luang Prabang
Another shot prior to almsgiving – Luang Prabang
A local vendor smiles while taking a break from her game – Luang Prabang
A lady reaches out to give rice to this monk – Luang Prabang
A shot of two ladies with natural facial expressions – Luang Prabang
A young lady carries a yoke full of fresh produce – Luang Prabang
A monk at work – Luang Prabang
A charming little girl sits down near the fountain – Vientiane
A lady collecting discarded soda bottles – Luang Prabang
A lady bends over and smiles at the local night market – Luang Prabang
A boy enjoys a late night snack – Vientiane
Author Bio: This is a guest post submitted by Samuel Jeffery, the wizard behind the curtain pulling the strings of NomadicSamuel.com, a travel blog that is miles away from ordinary…dripping with sarcasm. As a long term vagabond (6 consecutive years on the road) Samuel is sharing his photos, videos & quirky travel stories, along with photography tips, interviews, esl tips, reviews and general travel advice as a way for you to vicariously experience what it is like to backpack or plan your trip of a lifetime.
You can follow Nomadic Samuel on his travel blog and connect on twitter, facebook, stumble upon & youtube
This post is made possible with the generosity of only-apartments. If you’re traveling to Paris, make sure to book your Paris apartments for an unforgettable stay
Photo Essay: The Many Faces of Laos is a post from: Traveling Canucks
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Long term disability insurance as well as LTD insurance would be the key to save yourself from financial destruction in the matter of a disabling harm. While this insurance might not exactly seem as important as other designs of insurance including health, auto as well as life, it can always be equally important or even more. A good deal more are unable to work full-time for their injuries. long term disability is often a serious problem in the United States and there are numerous jobs that present workers to critical dangers.
Injured workers will not be able to conduct their jobs anymore and they are thus unable to deliver for their people. Receiving an injury that produces long-term disability is usually a traumatic and sentimentally devastating event. Should you have long-term handicap insurance, you could possibly be less upset. But many insurance agencies will do everything of their power to avoid having to dole out and about money to folks for lost salaries. There are many reasons an insurer might have pertaining to refusing to reply to your claim. Some include the next: No objective findings-this signifies that the insurance company won’t believe that your medical records you do as proof of your respective disability attorney are adequate to compliment your claim.
Not disabled from an occupation-when this explanation is cited, it’s quite possible because your insurer believes that, rapidly injuries you shown, you are still capable to perform your job to your certain degree.Pre -existing issue exclusion-if an insurer believes that your injury that induced your disability was treated by the medical doctor for the specific period ahead of your coverage commenced, they can yowl foul.
Failure to match the elimination period-there is often an elimination period that may be anywhere from four weeks to a few months after your injury you need to remain disabled. Not within the care of a health care provider not receiving appropriate treatment-the insurer believes that you won’t adequate measures to recover from your current injuries. Self-reported symptoms-some insurance agencies will not deal with injuries that are not proved through health care testing with modern-day equipment.
Dutch airline KLM is adding another destination to its route network- this time to Lusaka in Zambia.
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