Travel doesn’t have to mean blowing your budget (or coming home to a credit card hangover). Whether you’re planning a weekend getaway or a longer trip, a little preparation can help you enjoy the experience without adding unnecessary financial stress later.
Start with a plan, not an idea
Before you book anything, get clear on what you can actually afford. That means looking at your upcoming bills, everyday expenses and any other existing financial priorities you know will be waiting for you when the trip’s done.
Before You Book, Ask:
- How much can I actually spend on this trip?
- What’s the most important part of this trip — trying new foods, having a relaxing time, experiencing a new place or something else?
- What am I okay skipping?
Knowing what you can afford upfront helps you make smart decisions in the moment, especially when offered tempting upgrades or expensive experiences.
Save money where it matters most
Depending on your destination and timeline, you could stand to save big by staying flexible.
Explore different flight schedules
Flying midweek or choosing off-days to book lodging can save you significant money.
Choose Meals Wisely
This one’s especially important in high-cost destinations — utilize grocery stores and local markets to stretch your food budget.
Prioritize the Experiences You’re Excited About
With so many choices, it can be hard to decide where to put your money. Instead of debating once you’ve arrived, pick one or two must-dos — and let the rest be optional.
Use credit cards thoughtfully
There are a million reasons people get credit cards, and travel perks are a major incentive. But unless you can afford the luxe experiences advertised, you’re better off charging your cards sparingly.
If you have a card you’re planning to use, set some boundaries before you arrive. Set a daily or trip-long spending limit for yourself, avoid carrying multiple cards, check your accounts frequently to prevent fraud and look out for foreign transaction fees.
If you’re already carrying a balance, remember: Travel purchases can balloon, if not repaid quickly. Charging everything now means paying for it later — usually with interest attached.
Your memories will last — how about your debts?
A good trip doesn’t always end when you unpack.
If you find yourself dealing with mounting bills you can’t afford, call Accredited Debt Relief. We can help you lock in a more affordable monthly payment, and get debt-free in as little as 24-48 months.