Ngopisantuy.com –Efficient Saving Tips for Traveling Hobbies, Traveling is one of the most pleasurable pastimes. Not only may we learn about different cultures by traveling, but we can also learn about them through exploring, tasting local cuisine, or just roaming.
As a result, aside from rejuvenating our minds, this one activity may also broaden our knowledge and perspective.
That is correct. But, of course, traveling as a pastime is expensive, right?
Domestic and international travel does not necessarily have to be expensive. We can surely accomplish it with our current salary. However, we must be more cautious in our financial preparation so that we do not deplete our funds when we wish to vacation.
Before we go visiting enjoyable areas, we may save money by using the travel saving ideas outlined below.
The most important thing we need to do before going is study the destination. What has to be prepared, how is the accommodation, what places to visit in the associated location, what is the cost range that must be spent each day, and so on. Because knowing these factors allows us to create more mature travel arrangements.
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Set aside money
If we already have a vacation plan, set aside a portion of our money for that purpose. Essentially, there is no hard and fast rule regarding how much money we should set aside for this.
However, if you don’t spend much, it’s preferable if we can set aside 10% of our salary to make it happen.
Furthermore, by calculating the trip time ahead of time, we may set away a part of our salary for savings. For example, we will be going in 5 months. From there, we can calculate how much money we need to set away each month to fund our vacation plans.
Another option is to establish a 50/30/20 system, in which 50% of income is allocated to cover monthly basic requirements, 30% to fulfill preferences (such as vacation), and 20% to future needs, savings, and investments.
Cut Expenses and Adjust to Income
Snacking, shopping, going to the movies, or other tertiary demands that are not very essential or can be done later should be reduced first so that they do not interfere with the budget that has been put aside to fulfill our traveling interest.
This also applies to basic necessities such as food, energy, water, and internet access. We use it as seldom as possible, or buy things at a price that suits our financial budget.
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Avoid paying membership or subscription fees
Perhaps the expenses of subscriptions or memberships, such as music platforms, movies, or sports venue memberships, are not too high in comparison to our monthly income. However, this might make allocating saved funds for trips more difficult. Especially since we hardly use it ourselves.
Consider this: the monthly subscription charge for a cinema platform may reach Rp. 85 thousand, the monthly fee for a music platform can reach Rp. 79 thousand, and the monthly rate for a sports membership can reach Rp. 475 thousand.
If we have a subscription or membership for these three items, the total cost per month has reached Rp. 639 thousand.
If we are already preparing to vacation, perhaps the gym membership for sports might be terminated or frozen until we return home.
Purchase Low-Cost Equipment
We will undoubtedly require specific things to help us while traveling. For example, if we are going to a chilly location, we will require heavy jackets, coats, caps, and so on. If feasible, purchase discounted equipment from either online or physical retailers.
The equipment we purchase must also be rebalanced with our income budget so that we may continue to save for future travel.Make
Health Protection Plans
One of the most essential things to plan for before traveling is health insurance, which serves as an anticipatory measure or avoidance of life hazards that may occur during or after traveling. Traveling might be less stressful if you have health insurance. Furthermore, at this time, the government requires any person who wishes to go overseas to produce proof of ownership of health insurance with a minimum coverage value of $25,000 USD, or Rp. 360 million.
What Health Insurance Products Are Appropriate for Travelers?
There is MiUltimate HealthCare for health insurance, which may give health protection until we are 110 years old, or until our dependents are 25 years old, with yearly benefits ranging from $2 billion to $15 billion per year.
So we no longer have to be concerned about the cost of medical care if we need to be hospitalized. Because, in addition to the costs covered by the bill, this product can cover the cost of a lodging and treatment overseas, as well as an additional yearly limit if you have a severe disease.