Financial Feminist - 28. Money-Saving Travel Tips

Starting point is 00:00:00 Hi, Financial Feminist listeners. I'm Alina, the video producer here at Her First 100K. Before we get to the episode, we want to take a moment to address the June 24th Supreme Court decision to overturn Roe v. Wade. This decision stripped away the legal right to have a safe and legal abortion. Restricting access to comprehensive reproductive care, including abortion, threatens the health and independence of all Americans. This decision could also lead to the loss of other rights. To learn more about what you can do to help, go to podvoices.help. That's P-O-D voices dot H-E-L-P. We'll also have resources linked in our show notes. We here at our first 100K and Financial Feminists encourage you

Starting point is 00:00:46 to speak up, take care, and spread the word. Thank you, Financial Feminists. financial feminists welcome back happy to see you oh that was that was an eddie murphy it wasn't supposed to be it just came out you guys know i made porridge and it is happy to see you it's not a good eddie murphy but it's an ed Murphy. It is happy to see you. You can't see me, but I fully just like jumped out of my chair unhappy. Okay. It is official y'all. It is summer. It is hot girl summer. It is hashtag stuck girl summer. And it has already been a lovely summer here for us at HFK. and I'm hoping yours is just as lovely. Please protect your energy. Please take care of yourself.

Starting point is 00:01:48 Go on your hot girl walks. Plug in Financial Feminist into your ear holes. Go on your hot girl walks. Take care of yourself, please. One of the big questions we get all year round, but especially in the summer, is how our team can afford to travel so often. Our team at HFK is full of travelers. So even though we are all US-based, we currently, as of this recording, have team members in London, France, Australia. I'm planning a trip

Starting point is 00:02:12 later in this fall that I'll talk to you about. As you all know from me bringing it up pretty much every fucking recording, I was in New York for almost two months. I was in LA before that. We have folks on the team all over the country and all over the world. It's one of the benefits of being an entirely remote team. So as a team of travelers, as a team of travel experts, we get asked a lot how we can make travel accessible and affordable. I am notorious for sticking to a budget on trips and I'm always hunting for a flight deal or travel hack. We have incredible tools around finding flight deals, affording travel, travel credit cards, all linked in our show notes. But a lot of people hear the word travel hack and you either instantly feel overwhelmed or you're just like, I don't want

Starting point is 00:02:56 to get up at like 2 a.m. to fly, which I feel you so hard. Or I don't want to fly and have like 16 different connecting flights. That does not sound fun to me. And it doesn't sound fun. So maybe it feels way too time consuming to try and book those 15 individual flights just to save a few hundred bucks. Or maybe the idea of a hostel makes you think about that one movie. I remember staying at a hostel when I was studying abroad in Ireland. That was 17 euro. The travel stories, you know, I was in a communal room with 12 other people. A man was snoring so loud and had put his socks and underwear on the radiator next to him. Y'all, we all have these stories, but I would rather give you some travel tips that avoid these kind of stories and instead get you on like a beautiful boat somewhere.

Starting point is 00:03:50 Or if boat's not your thing, I don't know. Just better than underwear on a radiator in a room full of 12 strangers. So today I'm dispelling some travel hacking myths and also dropping a few tips that I use that, again, don't include checking flight prices at exactly 3.17 a.m. on the third Tuesday of every month. Also, that's made up, so please don't do that to yourself. So let's go ahead and get into it. This episode is partially a sneak peek into our brand new travel mini course. We built this mini course with the newbie solo traveler in mind. So if you're finally ready to use that PTO or to try your hand at digital nomading, but you've either never traveled abroad or never traveled abroad alone, or just want some tips and tricks to feel confident traveling. Maybe

Starting point is 00:04:29 you've watched me travel on social media over the past couple years and you're like, how do I do that? Well, this guide is the perfect way to ease into it without the extra stress and anxiety. With modules on everything from paperwork checklists to packing suggestions, how to find the best flight deals, ways to get around your chosen destination, and of course, safety and budgeting tips. You can start your solo travel saga with confidence. And even if you're not a solo traveler, this is a mini course. This is a course you'll come back to time and time again as you continue to travel,

Starting point is 00:04:59 build your trips. You're going to walk away with the best way to save for a trip and the best way to stick to your budget, our secret to traveling on the cheap, a more in-depth beginner's guide to travel hacking, everything you need to know to prepare for a trip and what to do once you get home, how to apply for a passport as a US, Canadian, or UK citizen, the complete guide to solo travel, and the key to traveling as a financial feminist, how to live out your values even when you're traveling. Financial feminist listeners can save 10% on this course when you use the code FFpod at checkout. Head to the link in our show notes to get 10% off the new travel mini course with code FFpod. Okay, so when we're

Starting point is 00:05:35 thinking about traveling on a budget, when we're thinking about navigating travel, the number one thing to think about is that just like everything else in personal finance, it's personal. If you don't want to go to a museum because you're not a museum person, don't go to a museum. If you're not interested in going to a particular area or going to a particular country, that's okay. You don't need to. I think a lot of times when we start traveling or start planning our trips, we think that

Starting point is 00:06:04 there are certain things that we have to check off. And the truth is, is that you need to find out what resonates with you. Take that. Leave the rest. For me and Christine, Christine is my best friend who I travel with on our friend moon every year. If you want more information about friend moons, go check out the last episode of season one. But one of the big priorities that we have is food. Yes, we like museums. Yes, we'll do other cultural activities. However, for Christine and I,

Starting point is 00:06:31 food is the number one priority. Food is our favorite thing. So we're constantly researching what is the best food we can get in this tiny little city or tiny little village in Italy? What is the best sandwich, right? Like what is the thing to get here and where can I get the best one of it? And that's really our priority because we love doing that. So whether you're traveling on your own or traveling with somebody else, figuring out, okay, what do I want to prioritize? What do I want to spend my time and money doing is going to be the best tip I can give you of all. Spend your time, energy, money on the things that you really love. We've talked about mindful spending. We've talked about prioritizing our

Starting point is 00:07:12 spending before. That doesn't change when you're traveling. And it is especially important when you travel. So as we walk through these tips, constantly be thinking like, how can I make this applicable to my own life? How can I make this applicable to the kind of trip I want to have? And again, if something is, you know, really resonating with you, make a note of that. Make a mental note of that. If you're like, okay, I am okay taking the bus around the city I'm in all the time, but I would really like a direct flight. Like, I want the convenience of a direct flight because maybe you don't love flying or maybe you don't want the hassle of that. There's ways that you can afford certain things that make travel better or easier for you specifically and other things that

Starting point is 00:07:54 you can trade off. So again, for Christine and I, for example, most of our money, most of our time and energy is going to be going to food. We are less concerned with other cultural activities or other excursions. Food is the priority. Okay, travel tip or hack number one. This is going to blow your mind. I talked about this on TikTok the other day and the video went viral because it's so simple. It is so obvious, yet so many people don't do this. So travel tip number one, don't be picky about where you go. Again, Christine and I, we are planning Friend Moon 2019. We knew we wanted somewhere in Europe and somewhere warm.

Starting point is 00:08:39 Those were our only two parameters. So when we started looking, we thought, oh, Greece. Greece is in Europe. Greece is warm. Neither of us had spent that much time there. But then we looked and Greece was super expensive. Number one, the flight to Greece was super expensive. The second thing about Greece is it's a bunch of islands. So if you don't just want to stay on one island, you're going to be figuring out transportation

Starting point is 00:09:01 for back and forth, figuring out how to get to each island. And we just didn't want that hassle. It was just going to be not only too expensive, but a lot of planning that we needed to know ahead of time. So what we did instead is if we knew we wanted somewhere in Europe that was warm, we just knew we needed to get to Europe. Because once you're in Europe, it's a lot easier to travel around, right? So we really didn't care where we flew into and we really didn't care where we ended up. So what happened is, okay, if Greece doesn't make sense for us right now, where is another warm place that sounds great? Italy. Okay. We looked at direct flights or even, you know, connecting flights from Seattle to Italy, Pretty much every flight in Italy.

Starting point is 00:09:46 And again, Italy is a huge country, right? We could have flown into Florence. We could have flown into Rome. We could have flown into Naples. We didn't care. But every single city in Italy was like $1,000. They wanted like $1,200 for that flight. So what we did instead is we found a flight deal.

Starting point is 00:10:02 We found a flight deal to London. And then we found a flight deal from London to Bari, Italy. Neither of us knew where Bari, Italy was before we started planning this trip. We had no idea. Turns out it's in the Puglia region, which we talked about on Joe Franco's episode. But it's a beautiful region of Italy. We just never heard of it. So what happened was we flew to London for about $550 round trip. And then we found like a $60 flight from London to Bari. That's how you do

Starting point is 00:10:33 it. If you want to travel, if you want to explore, just don't be picky about where you go. For me, I'm just excited to go anywhere. I'm excited to experience new cultures and a new country or even a new state. And I plan my trips around the flight deals. Literally, Christine and I have planned every single friend moon. Friend moon to Costa Rica, friend moon to Italy, friend moon back to Italy and to France for two months. We're going to Australia and New Zealand later this year. All of them were based on flight deals. We have never sat down and said, I would like to go to this place. Let's figure it out. It was always, I want to travel with you. I want to have this experience. And I know the general region or the general vibe of the trip we want to have. So in order to better afford travel,

Starting point is 00:11:22 in order to make it less expensive, find those flight deals and plan your trip around those flight deals. My other kind of like 1A tip on this one is travel during the off-season. I was literally looking about potentially going back to Italy for my birthday. I was researching just a couple of days ago. They want, again, $1,500 to fly in July from Seattle to Italy. But Christine and I have traveled to Italy. The last two times we've traveled to Italy has both been in October. And that's not because October is a great time for us to travel. It's because we found a good flight deal. And it turns out Italy in October is beautiful. We had immaculate weather, especially the last time we were there.

Starting point is 00:12:09 I think it rained once, maybe twice. We had immaculate weather. So when you're thinking about traveling, especially if you're traveling across country or internationally, don't be picky about where you go. Plan your trips around the flight deals. Plan the trips around the general vibe of the trip you want and try to go in the off season. Try to go when it's going to be slightly cheaper. That's an easy way to be able to go to destinations you're interested in without spending a bunch of money.

Starting point is 00:12:43 Okay, travel tip or hack number two think about alternate housing arrangements again i'm going to bring us back to friend moon because our friend moon trips have been incredible and have been such a like learning lesson in travel we have largely only stayed in airbnbs and the times we haven't stayed in airbnbs is when hotels were actually cheaper, either cheaper because we had some points on our credit card. Again, we have some credit card recommendations in our show notes. We were able to either get an upgrade with our credit card by booking the room with that credit card or we use points. But you need to figure out what's actually not only, of course, cheapest, but what is

Starting point is 00:13:25 going to make the most sense for housing during that time. I want to dispel the myth that hostels are terrifying. I did talk about that communal hostel at the beginning. But there's so many clean hostels, especially if you get private rooms or semi-private rooms. I stayed in a great hostel back in London when I was traveling there when I was, you know, 20 and broke. I think I paid maybe $50 a night and I split it with other people I was traveling with. So hostels, not all hostels are terrifying. Please make sure, however, they have good reviews and maybe not do the communal room if you can afford not to.

Starting point is 00:14:07 And just like I said, we have been traveling a lot with Airbnbs, especially I think traveling internationally. They often tend to be cheaper. They also really give you more of the experience of living in that place. You typically can also have a kitchen. So you're going to save some money on food if you're cooking at home, maybe at least cooking breakfast at home. So I think, you know, Airbnbs for us, for Christine and I have largely been cheaper. However, as I've been traveling the United States, Airbnbs have actually been sometimes more expensive.

Starting point is 00:14:39 So you need to kind of do some research. Not all hostels are scary, but also not all Airbnbs are always cheaper. I will say that I enjoy traveling the Airbnb route, again, especially if I'm international, because I get to typically meet the host. They're typically really excited that we're there. They'll give us some tips and tricks about where to go, where to eat. And especially for us traveling in places like Italy and France, we literally, we had French mom and dad in France. We're this adorable, cute couple in the French countryside who would bring us like pastries and spoke not a word of English. And we lovingly call them French mom and dad. So

Starting point is 00:15:17 French mom and dad, if you're listening, hello. Bonjour. We really appreciate you. My bonjour came out very ridiculous, but we're going to not cut it because it's fine. I do know how to speak French. Okay. So I think when you're thinking about housing arrangements, decide your priority. Is a central location your priority? Is eating out a lot your priority? It might make sense to be in a hotel or a hostel. If you want more of that organic, actual experience of living in that place, if you want to stay in a smaller town, if you want to cook to save money, write an Airbnb. An Airbnb is probably going to be the way to go.

Starting point is 00:15:57 I will say, as an asterisk to all of this, yes, hotels can be lovely. However, I see a lot of people default to staying in a hotel. I traveled to Amsterdam with my parents. I literally walked through the area where all the hotels were. It was all tourists. And tourists, largely Americans, were staying at the Holiday Inn Express in Amsterdam. Please, with all of the love in the world, if you can afford to not be this person, please don't be this person. You're in Amsterdam or any other location for a reason, especially internationally. I want you to have the authentic experience of being there or else go stay at the Holiday Inn Express that's like two miles from your house, right? Like if you can, please

Starting point is 00:16:45 don't be these people. In addition, typically these places are actually less safe because what happens, you're thinking like, oh, it's a bunch of tourists. It'll be much safer. But individuals who are interested in preying on you as a tourist will know where you hang out. They know where the tourists hang out. They know where the hotels are, right? So literally in this like two block radius in Amsterdam, there was, yeah, the Holiday Inn Express. There were a bunch of like burger restaurants, right? They like very much catered to Americans. And in that one to two block radius, you could see a bunch of kind of like shady people hanging out waiting to, you know, potentially take tourist money to prey on them. So it's sometimes often actually safer to, again,

Starting point is 00:17:34 not only have a contact in the place you're at, a host, you know, someone who lives in, you know, the apartment next door who is renting the place on Airbnb, but it's also among locals who you're just going to be less likely to be taken advantage of. But again, when you're thinking about accommodations, when you're thinking about housing while you're traveling, make sure you're prioritizing the things that are important to you while also, of course, being safe. Safety leads me to an amazing number three travel hack, which is if it is safe to do so and if you can navigate it pretty easily, please take public transit. It is so much cheaper. And again, you get the feeling of being a local. Again, I just got

Starting point is 00:18:18 back from eight weeks in New York. I got a TikTok comment the other day where somebody was like, I'm shocked that you're a millionaire and you take the subway. And I'm like, yeah, the subway is the best way to navigate New York. Yes, you're going to see rats. Oh, it's part of the experience. Yes, it's going to smell vaguely like urine at all times, but it's part of the experience. I actually loved riding the subway. I loved riding the subway.

Starting point is 00:18:42 And not only is it like, oh my gosh, so much cheaper than an Uber, $50, $60 cheaper than an Uber, but it's also typically faster than an Uber because being in a car in New York is not an ideal situation. However, I was also very intentional that if I was out late, if a show that I was at, if I was at a Broadway show and it got out at 11 o'clock, I knew the subway lines I could take that were going to be okay and going to be safe for me. I made sure to always be in a car with multiple people. If there was a subway car with just one person, I would get out and go to another car. And if it wasn't safe, if I knew that I couldn't get home on a line that I felt safe on, I took an Uber, right? Or I took an alternate form of transportation. I took a taxi. So take public transit if you can, especially in the daylight. Take the bus. Take the train if you can,

Starting point is 00:19:37 especially through Europe. If you've traveled through Europe, you know how easy and safe the railway system is, either in a country or between countries. I remember taking a train from Berlin to Paris took about half a day and it was beautiful and clean and really fast and ended up being not only cheaper but more of an experience than hopping on a plane. So if you can take public transit, please do. Just make sure you're making a smart choice and that you budget accordingly. If you are staying out late, that is probably going to mean that you take something like an Uber or a cab to get home. Or, you know, you're not walking home, you're not biking home. So make sure you factor that into your budget. All right, travel hack number four. Please learn

Starting point is 00:20:22 the basics of the language of the country you're traveling. We talked so much about this on Jo's episode, which is episode 14. Please go back and listen. She drops so many amazing gems. But if you are traveling internationally or you're traveling in a country that does not speak your native language, please learn the basics. Learn hello. native language, please learn the basics. Learn hello. Learn where is the bathroom, please. Learn how much does this cost? I know those three phrases in multiple languages. I know them in Italian. I know them in French. I know at least enough Spanish to get by, right? Like, I have a general understanding of those languages in order to communicate. Not only, of course, is this beneficial in you navigating the town, the city, the country you're in, but like Jo mentioned on

Starting point is 00:21:12 her episode, you get more respect for doing that. Like you get more respect for at least trying. One of the most vulnerable things you can do is show up in a country having, you know, learned as much of the language as you can, but then asking and trying and messing up and trying again. I can't tell you, again, French mom and dad, I can't tell you the amount of times I probably screwed up my French. I can't tell you how many times I had to like ask for their patience while I pulled out my phone to like Google Translate something. However, I would not have even gotten that experience of staying in the French countryside if I hadn't at least spoken enough French to get by. Because I was in a town where no one spoke English.

Starting point is 00:21:52 No one spoke English. So in order to go to the bakery to get my baguette in the morning, I had to use enough French to order that baguette. In order to communicate with my hosts, who were beautiful, lovely people, who were so sweet and kind. I wanted to be able to do that. I wanted to be able to communicate in the language of the country I was in residence at. Because not only is it practical, it's respectful. It's the thing you should do. So try to learn the language. There are specific tips that Joe gives in that previous episode, in episode 14. So please go back and listen. This woman is a polyglot. She speaks, oh my god,

Starting point is 00:22:32 like eight languages. So if anyone knows how to learn a language and learn it fast, at least, again, enough to get by, it's Joe Franco. So please go back and listen to that incredible episode. Last but not least, this is less of a hack and more of an expectation. Please shop local and shop according to your values. When you are coming to a new place, whether that is a new state, a new town, even if it's an hour away, or if you're going halfway across the world, I need you to vote with your dollars even when you're traveling. I need you to support local businesses, local restaurants, local organizations, you know, local artisans. That's been my favorite thing to do is go to, again, these tiny little towns in Europe and buy art

Starting point is 00:23:18 from local artists. Again, I walked into this tiny little town in France and bought these beautiful it's gonna make me cry I had the most beautiful experience with this woman who again I walked into her shop and they were these beautiful charcoal drawings of animals of plants and of this tiny little town that I went to so what I did was I bought one of her framed charcoal drawings of this beautiful French town that I was in. And I can't wait to hang it up in my house. So not only did I support her work, but I also got a beautiful, unique, one-of-a-kind souvenir of my time there. When I'm thinking about feminist travel supporting local organizations, local businesses, local people, it cannot be overstated that you are a tourist. You are a visitor in this place.

Starting point is 00:24:16 Please treat it with respect and also honor the people who live there. The best way to do that, as we know, is by supporting them, by giving them your energy, giving them your time, giving them your dollars. You're also selfishly going to have a better experience for it. You're going to have a better travel experience. I got that beautiful story where literally this woman then gave me postcards for free of these beautiful horse charcoal drawings she drew because I told her in French, if you speak a little bit of French, you know that the word for horse is cheval. Plural though is cheveau or cheveux. See, I still screw it up. The word for plural horses, so for horses and hair are almost the same word and I screw them up every time. So we had this beautiful, in French,

Starting point is 00:25:03 en français, this beautiful back and forth where I was trying to say the word horse and couldn't because I kept saying the word hair. So, you know, I have this beautiful story and this beautiful connection with this person. And it's just, it not only makes you feel like the main character, but you have this beautiful memory to take home with you. And of course, you supported the business or the place you're in. I will especially say this is important. If you are a tourist in an area like Hawaii, where tourists are both the lifeblood and also the life taker of the area that you're in. Hawaii, especially, I think of, you know, I've traveled to Hawaii many

Starting point is 00:25:46 times and have really started to learn more about Hawaiian history in my past couple visits there, and understanding that while tourism is incredible for Hawaii and really, you know, now is the main economic, you know, power in Hawaii, it also is incredibly damaging Native Hawaiians' ability to, you know, live on the island to, you know, a lot of tourists end up trashing the beautiful places, the beautiful national parks, the coral reefs. So as you're traveling, please be an educated traveler. As we said again on Joe's episode, don't be a basic bitch traveler. If you're going to travel to any sort of area, learn the language, support local businesses, be intentional about where you spend your time and where you spend your dollars.

Starting point is 00:26:37 Okay, financial feminists, we know how much you love travel content. This episode is for you. We will continue giving you more travel episodes, more how to navigate travel credit cards, how to, again, travel luxuriously on a budget. And if you want even more information, our travel mini course is for you. We have poured our life and all of our knowledge, my knowledge traveling, our team's knowledge traveling into this incredible course, and we would love to see you there. We would love for you to have these incredible travel experiences without breaking the bank and without being a basic bitch. So if that's of interest to you, feel free to support us by purchasing the course,

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Financial Feminist - 28. Money-Saving Travel Tips

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