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Money Saving Travel TIps
11 Jan

Are You Paying Too Much For Travel?

Going abroad is expensive, considering all the different elements required to have a nice holiday.

  • Flights
  • Transportation
  • Places to stay
  • Things to do
  • Food to Eat

Just with these basic elements of your trip, costs start stacking up. You need to put in a lot of planning if you are going to prevent breaking the bank whilst getting the most out of our trip.

Money Saving Travel TIps

We thought we would consider a few items where we could save some money via forward thinking and some items that it would be unwise to scrimp on.

Money saving tip – Be Flexible

The price of flights can vary considerably depending on the month, day and even time you travel, so do your research and be prepared to be flexible. It’s surprising to see how much cheaper flights can be if you fly midweek as opposed to only at the weekend.

Money saving tip – Single Trip Travel Insurance

Many people see travel insurance for holidays as something they need but seek the cheapest possible option. However, getting the cheapest insurance is not wise for saving money in the long run. Getting no cover or the wrong cover could cost you thousands in healthcare costs and is not worth the risk.

Money saving tip – Currency fees

Do not be foolish enough to wait until getting to the airport to exchange your pounds to the local currency, the exchange rate at airports is way over the odds compared to standard currency exchanges like the post office, but you can get even better exchange rates if you use comparison sites like, however doing this well before your trip is important, as for the best rates you usually have to wait for delivery in the post.

Money saving tip – Relying too much on car rentals

If you are an adventurous tourist, you likely may consider getting a rental car while abroad. However, whilst it provides a large amount of freedom, it is very expensive, especially whilst it is sat in the hotel car park and you are by the pool. The National post explained that the average car rental cost was 90GBP per day. Why not save money and use local transportation to get around?

Money saving tip – Luggage allowances

How much luggage do you need? Of course, depending upon length of stay, you may find that you can fit all that is required into you cabin luggage that does not cost you a penny extra.

Money saving tip – Eating out

We all need to eat, and when on holiday we like to dine in luxury. Depending upon where you are travelling eating out can come at a large expense, especially in places like Italy and France. Quite quickly without paying too much attention food costs can run out of control, but you may not notice until you get home and see your credit card bill.  While traveling it is always advisable to use the best credit card for travel benefits and rewards to avoid fees and earn rewards for your next journey.

Some money saving tips are as simple as choosing all-inclusive holidays, or self-catering where you go to the local shops to buy food to make the occasional meal, sometimes you can make better food than the restaurants anyway.

Money Saving Hotel Tips
11 Sep

6 Practical Tips To Save Money on Your Next Hotel Stay

6 Accommodation Tips For Saving Money on Your Stay

Money Saving Hotel Tips

When it comes to travel, your accommodation is undoubtedly one of the largest expenses. Some hotels and resorts can even cost up to $800 a night! By taking a few extra steps, it doesn’t have to cost an arm and a leg to find your ideal lodging. In this article, we are going to talk about six accommodation tips to use for when you’re ready to travel the world again. Let’s get started!

Consider The Destination First

If you have done some traveling before, you probably know that’s some countries are naturally cheaper than others. If you want to save money, the first step is to pick a great location that is less expensive to explore. Many factors determine the affordability of a destination such the currency exchange rate and popularity of the destination.  While the world’s most popular cities are bound to be pricey, nearby communities may be much more affordable.  Likewise, there are many destinations that enjoy a favorable cost of living.  If you’re having trouble, take a look at this list of the top 10 cheapest countries to visit to get yourself started.

Free Cancellation Policies Are Your Best Friend

When you start to browse accommodation, try and search for those with a free cancellation policy.  Google Hotels has recently added a filter that allows you to search for only hotels that offer free cancellation.  This ensures that you can always rethink your options and choose a different choice if a better deal pops up. If your plans need to change for some reason you are free to make adjustments.  This really can save you a lot of money! Sites like and usually have this in bold, and Google Hotels has recently added a filter that allows you to search only hotels with a free cancellation policy.

Consider the Length of Your Stay

Depending on the length of your vacation, there are certain tips that can help. For example, if you are only in one spot for a few days, it is cheaper and less busy if you stay in the middle of the week rather than on the weekend.  If you are staying in a major city known for business travel, it may be the opposite and be less expensive on weekends than during the work week.  Be sure to check for fluctuating rates.  If you are traveling for a longer time, you might consider staying in a short term rental, like these apartments for rent North York. There is an option for everything.

Share The Cost

If you are traveling with your friends, you might think about getting your own rooms to separate the expense. However, it can actually be more affordable to split the cost instead. If you don’t mind sleeping next to others, you might even opt for a hostel or room share option.

Consider The Facilities

When it’s time to choose your accommodation, finally, you want to do one final check over to make sure it is appropriate. For instance, you might want a place with certain facilities such as ag gym, pool, and laundry service. These should be listed in the description, but make sure you check out some reviews if you want to confirm everything.  Watch out for hidden fees like the annoying Resort Fee.  You don’t want to arrive and find that you are being charged extra for amenities you may not be using.  Also if possible select an accommodation that includes a complimentary breakfast.  This can save you considerable money, especially if you are traveling as a family.  While it won’t be gourmet, it will be convenient and get your day started without spending any money.

Don’t Be Afraid to Try Something New

Lastly, if you are traveling the world, you shouldn’t be afraid to try something new. Try staying with a local, consider an Airbnb or bed and breakfast inn;  go glamping, give couch surfing a go, or even try house sitting abroad. There are so many options that can also make for a memorable experience.

By following these tips, you’ll be able to save money for experiences and enjoy everything that traveling the world has to offer. With incredible sights and sounds, there is something for everyone. At the end of the day, accommodation is just a place to rest. Most of the time, you will be out exploring!


Credit Card Travel Hacking
31 Jul

Credit Card Travel Hacking – Is the Payout Worth the Investment?

Travel Hacking with Credit Cards — Is the Payout Worth the Investment? 

Many people wish they could travel more often, but the cost of flying and other travel expenses can be prohibitive.  But what if you could find a way to earn flights, lodging, and other upgrades for free? Well, you (sort of) can with credit card travel hacking.

Credit Card Travel Hacking

Travel hacking” is basically a way consumers can game and maximize credit card rewards. An experienced travel hacker would open up several travel credit cards, spend up to a certain limit, and then cash in on rewards points/miles accrued up to that point. Those miles can be used for discounted airfare, hotel stays, and other general expenses during travel.

It can be a rewarding tactic, but it’s also a risky endeavor. Let’s learn more about travel hacking before we talk about the risks and rewards and whether it’s all worth it.

What Is “Travel Hacking” in the First Place?

Before discussing how to hack, you need to know what to look for in a credit card. You need to open up a credit card that has a rewards or miles program, meaning it offers points/miles on an airline you hope to fly on, for spending with the card. Secondly and more importantly, the card must have a signup bonus which is a block of points, miles, or cash offered for spending a certain amount of money in the first few months of having the card. The credit card hacking procedure relies on this cash bonus.

As for the procedure, it can be tricky to explain for multiple cards, but breaking down the process with a single card is very easy to understand.  Here’s an example:

To start, you open up a new rewards or travel rewards credit card. The next step is to spend up to a certain threshold with the card within the allowed time to earn the signup bonus. Most cards set their bonus for amounts charged in the first three months.  For example, a card may offer 50,000 bonus miles (or $500) for spending $3,000 within 3 months of opening up the card. On top of this, your credit cards ideally should accrue standard miles and points for everyday expenses and not just for purchasing airline travel.

With one card, you have accrued $500 in rewards that can be put towards travel expenses or airfare. Across multiple credit cards, this can amount to a substantial amount of rewards and cash bonuses.

Don’t forget about your credit card debt though. After you reach the spending threshold, the next order of business is to pay off the debt or transfer it to a low-rate credit card. Either way, do not forget about paying off your debt.  Also be aware that cards that earn the most points often have a substantial fee after the first year.  You should decide carefully whether you wish to let the card renew and pay the fee, or pay the card balance in full and close the card before its first anniversary.

Why Is Travel Hacking Enticing?

Travel hacking is appealing for several reasons. At face value, it’s like a game where you can earn free money. Who wouldn’t want a bonus $500? Everyone likes free money, but that isn’t the even best reason.

Travel reward miles offer greater value when used for airfare or qualified travel expenses. Many credit card providers offer a better deal to cardholders when they put miles towards traveling costs. For example, a block of 50,000 miles is worth $500, but those 50k points may cover up to $625 in airfare. Some card providers offer 25% more value on miles used for airfare. So, the added mile redemption value is one enticing aspect.

You may not be convinced yet. By itself, travel hacking may seem like an absurd idea because you may spend up to $3,000 to $5,000 for $500 or less in rewards. However, hacking credit cards can actually be a savvy way to take advantage future expected expenses.

For instance, let’s say you are painting the outside of your house and know it’s going to cost $6,000. You can use this planned expense in your travel hacking strategy. If you open up a new credit card with a bonus offer for spending $5,000 in 3 months, you can hit that bonus offer easily with one expenditure and collect the rewards.

This is different than spending frivolously just for a bonus offer. You would have spent this money anyway. It’s much easier to view those points and miles as free money when they are earned for planned or required expenses.

Why Should You Think Twice?

Of course, travel hacking is a risky game – in more than one way. The main requirement for travel hacking is spending on credit. For obvious reasons, this can cause multiple problems if you spend uncontrollably and cannot pay the credit card balance.  You will end up paying interest fees on your balance which could amount to more than the amount you receive in travel credit.

Additionally, spending money with credit cards will accrue debt to your name, and this debt must be paid back, and often with interest. If you spend too much, then there’s no guarantee that you can pay it back. If you miss credit card payments, then your credit score may suffer.  Your savings could be drained from the expenses.

Aside from missing payments, too much credit card debt can hurt your credit it other ways as well. Using the majority of your credit limit (also known as a high credit utilization ratio) is a negative credit factor. Furthermore, high debt compared to income results in a high debt-to-income ratio (DTI) which is also a negative factor.

Finally, frequently opening numerous credit cards may result in multiple hard credit inquires. Each hard inquiry will drop your score a few points. Across multiple cards, this could result in a significant drop in credit score.

Think About the Return on Investment

So when is travel hacking a good idea? In general, it’s a good idea when you can use the card strategically without going overboard. Regardless, you have to invest money, so think about what you’re getting out of it.

Travel hacking can be a terrible idea if done wrong. Arbitrarily spending money on things you don’t need just to earn travel rewards is never a good idea. Why spend $5,000 on credit to get a $500 cash bonus if you could just save that $5,000 for the actual trip? Spending frivolously and calling it credit card hacking is not savvy – it’s more like a misguided investment.

However, credit card hacking can be very useful if you’re already planning some large expenditures that you have saved for, and you have plans to travel in the near future.  You can use the reward program to get money back from your expenses. That money can be put towards travel, or it can be used to pay off your bill. You either get a travel discount or a discount on your planned expenses.  It becomes a good investment either way.

Before trying it out, ask yourself what you need the bonus points for and what you plan on buying to get the rewards bonus. Think about the impact this will have on your overall finances. These are important considerations to make before trying your hand at credit card hacking.

About The Author:  Andrew is a Content Associate for Lendedu – a website that helps traveling consumers with their finances. When he’s not working, you can find Andrew hiking in the mountains or chilling with his cat Colby.

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