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20 Tips for the Best and Cheapest Vacations

20 Tips for the Best and Cheapest Vacations

Going on vacation isn’t cheap. Between the road trip or the plane tickets, the food, the fun, the activities, the hotels it can end up costing you a pretty penny. Don’t despair. Everyone deserves a vacation and even if you need to conserve your cash to do it, you can still have a fun time! Here are 20 of our cheapest vacation ideas:

1. Go short

Sometimes, the best idea for a vacation is to go ahead and take one, but don’t go for as long as you normally would. Instead of going for a week or two, go for a long weekend.

2. Road trip

Don’t fly — drive. Even with the cost of gas, often the best option to save money is to drive to your destination. Make it fun. Stop and see attractions along the way to your destination, like Mount Rushmore or the world’s largest ball of string. Do a web search ahead of time and find small, inexpensive attractions in towns along the way — you’ll be amazed at how much you’ll see and learn.

3. Travel with friends

You can often save a lot of money when you buddy up and travel with a group or with friends. Group rates are available for hotels, rental cars (you could rent a large van), even tours of museums and other attractions.

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4. Day trip it

You don’t need to travel far to have fun. Instead of going far during your vacation and staying somewhere else, stay home and take a different trip each day. Look at destinations about two or three hours away from where you live and look for different things you can do there. Enjoy the drive, bring a lunch and spend the day doing something completely different than you normally would.

5. Cook in

Wherever you stay, eat at home, just as you would normally. Go to a local grocery store and purchase a week’s worth of groceries and make most of your meals in. Save a little money for a special dinner while you’re on vacation or for that fun day on the boardwalk. Otherwise, make the meals you like. You’ll probably eat healthier too.

6. Mind your perks

Do you get perks from your store cards? Your credit cards? For staying in hotels for work? Go look over all of your perk plans before your vacation. You might have a free night or two in a hotel, some miles for a flight or even a free meal or two while you’re out.

7. Rent it

You’d be amazed at the money you can save when you rent items instead of buying them. You can rent an RV and save yourself money on hotels and flights. You can rent a luggage carrier for the top of your truck instead of buying a fancy new one. You can rent bikes when you get there instead of paying to put them on the plane.

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8. Volunteer

Instead of doing the regular vacation thing, try volunteering instead. You’ll be surprised at the number of deals and perks available for those who choose to volunteer at a location instead of just be a tourist. Going to Alaska? Try volunteering for the Iditarod. You’ll get to see some of the most amazing scenery, get free bush flights out to a checkpoint and even meet and talk with famous dog mushers. Heading to South America or another country, look up JustGive.org and find other locations that need people to help build homes, teach classes or do other things in exchange for your time.

9. Room ideas

Decide on just what you need when you select a hotel or motel. Do you intend to do a lot of sightseeing or outdoor activities? Maybe you don’t need a huge, all-inclusive resort and can save yourself some money by getting a small, plain motel with basic amenities. On the other hand, if you want a big resort style vacation with a spa and water park, maybe you can save yourself the money by not flying to somewhere far away, but instead choosing a large, all-inclusive resort to which you can drive.

10. Geocache

This is a great way to explore local areas without the expense of leaving home or staying somewhere else. According to Geocaching.com: “Geocaching is a real-world, outdoor treasure hunting game using GPS-enabled devices. Participants navigate to a specific set of GPS coordinates and then attempt to find the geocache (container) hidden at that location.”

11. Check out a National Park

You’ll be amazed at how many National Parks are close to where you’re staying — or where you live. National Parks are a great resource and you can visit the Ranger Station and learn about different features of the park, take a hike or a picnic and explore. Most parks have nominal day use fees, some allow camping and there are a number of free days throughout the year.

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12. See a game

Most of cities and towns have minor or major league teams for soccer, baseball, football or basketball. Take a day and head to a game. Even if that sport isn’t your “thing,” most major league or professional sporting events are a big deal and the experience itself is a lot of fun.

13. Camp

Camping is a fun and exciting way to see parts of the country you’ve never been to before. You can either rent a small cabin or bring a tent or an RV. However you choose to camp, make sure you select a location that allows you to explore and gives you plenty of opportunities to do the types of activities you like.

14. Book a last-minute cruise

Search online at sites like Expedia for last-minute cruise deals. Cruises are usually expensive, but if you can wait until the last minute to pack and make your plans — and you aren’t picky about where the cruise is going — you could pick up a sweet deal.

15. Visit local tourist spots

Stay home and visit all of the local touristy stuff you never do because you live there. Take a tour of the local microbrewery, go to a vineyard or even a local amusement park. You could make your staycation really awesome and hire a house cleaner for the week as well.

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16. Go somewhere completely different

Thinking of Paris? How about Budapest instead? Want to go to Brazil? Try Belize. Just by picking somewhere a little less popular, you could save big bucks. And in Europe, you can travel easily to the places you want to see without having to stay there.

17. Do something new

Staying home over vacation? Take the opportunity to try out something you’ve never done before. Take sailing lessons, learn how to throw pots (clay, on a wheel, not the pasta pot through the window). Sing Karaoke at the local bar.

18. Go to local festivals

Head to the state fair, the local Bluegrass festival or the Garlic Festival (or whatever plant or item your state is known for). Do it big — try everything and have a great time.

19. Be quiet

You could lay low, too. You could really do nothing for a whole week. Sleep. Eat junk food. Watch TV. If you’re a go, go, go type of person, a few days to be quiet and do nothing might be all you need to feel refreshed. And you’ll save a ton of money not entertaining yourself.

20. Housesit

Want to go somewhere new and not pay for it? Find a housesitting gig. Whether for a week or three months, you can find some great places to go and not pay a dime for staying there.

More by this author

Michelle Kennedy Hogan

Michelle is an explorer, editor, author of 15 books, and mom of eight.

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Published on January 8, 2021

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

1. Pay More Than the Minimum Credit Card Payments

Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

2. Start With High-Interest Credit Card Debt

If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

3. Revisit Your Budget

Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

4. Avoid Using Your Credit Cards

Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

5. Start a Side Hustle to Boost Your Income

You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

6. Sell Your Used Items for Extra Cash

Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

7. Know When to Seek Help With Your Debt

Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

In extreme cases, the debt solution can be:

  • Debt relief – where your debt is partially or wholly forgiven
  • Debt consolidation – taking out one loan to repay others
  • Debt settlement – the creditor forgives a significant portion of your debt
  • Bankruptcy – legal process for seeking relief from some or all your debts

It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

Wrapping It Up

Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

More Tips on How to Pay Off Debt

Featured photo credit: rupixen.com via unsplash.com

Reference

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