blog archive
• 2012-2014 •
My Open Reply to the '"Why Don't Worry About Money, Just Travel,' is the Worst Advice Ever,"' Article:
Original article is
, written by Chelsea Fagan.
This is an open reply to why I disagree and feel the article was blankly assuming many, many things about "younger" people who travel. I'm 29 and choose to prioritize travel over other expenses (houses, TVs, clothes) and things like settling down to start a family. That's my choice, not a privilege, as the article suggests. I don't think the article paints a fair picture of all of us out there exploring the world.
These are my opinions; I understand not everyone will agree and that is ok. I just felt compelled to reply to Chelsea.
***
Dear Chelsea,
Everything you do in life is a choice.
You choose your friends.
You choose your job.
You choose to travel.
You choose to save money so that you can travel, or you spend it on other things.
In your, article,
'"Why Don't Worry About Money, Just Travel,"
is the Worst Advice Ever,"' I read yesterday, I was annoyed and felt that you blankly assume that anyone who travels is privileged, because of your internet acquaintance.
First off, with her being an acquaintance, how do you know she comes from a rich family? Do you know her intention for travel? Do you know if she is frivolous with her money? Do you know if she has scholarships for her Master's? The picture you paint sounds more like assumptions than actual knowledge of
who
this girl is.
"The girl in question posts superficially inspiring quotes on her lush photos, about dropping everything and running away, or quitting that job you hate to start a new life somewhere new, or soaking up the beauty of the world while you are young and untethered enough to do so."
As someone who also posts encouragement and inspiration via social media channels, like Instagram, I took this personally.
I know what my intention is on social media: to encourage and inspire. I don't get upset when others don't share my love for travel, and definitely do not look down on them.
How do you know that your friend isn't also trying to do the same? Since you didn't share her handle, we don't know for certain the verbiage she is using, but I highly doubt she is telling people they suck because they don't choose travel (yes, choose).
Yes, there are trust-fund kids who do get to travel often. Lucky them.
Moving on...
"...someone who has had the extreme privilege (yes, privilege) of getting out there and traveling extensively while young is not any better, wiser, or more worthy than the person who has stayed home to work multiple jobs to get the
hope
of one day landing a job that the traveler will assume is a given."
What makes you think that is the intention of your friend? What makes you think that is the intention of seasoned-travelers? I know that's not the intention of myself. I do find that I have a harder time relating to people who have not traveled, but that doesn't mean I think less of them or more of myself.
This blew my mind the most:
"...nothing about your ability or inability to travel means anything about you as a person."
Are you kidding me? Did you read what you wrote?
Just because someone is "saddled with more responsibility," does not mean they are less capable of travel. That is making an excuse for the people who don't know how to budget or do without in exchange for travel (if that's really what they want). If someone really wants to travel, they have to choose to. They do
not
have to be privileged to travel. They can eat at home, carpool, and learn how to plan travel efficiently if they truly have the urge to travel.
"They are learning what it means to work hard, to delay gratification, and to better yourself in slow, small ways."
You know what is most interesting? My desire to travel is
why I know how to budget money now.
My desire to travel is why I took a leap of faith and started my own business.
I've never worked harder in my life, and I have never grown more.
"Everyone needs to forge their own path to financial independence and freedom."
This, I can agree with. My path is not your path, and neither is the girl you're writing about - yet you are quite obvious with your judgement on her path. (Which is why I'm writing this article).
To sum things up
, Chelsea, I think you probably did not mean to come across the way you did in your article, because you are making huge assumptions and lashing out at someone who is living their life differently than you would. The fact that you start the article of by telling us this girl is an internet acquaintance was a misstep, because you clearly don't know her intention, or her as a person.
You cannot assume that everyone in this world wants a good job, to buy a house, or have a huge nest egg. Some of us are ok with having enough to get by, and many of us choose experiences over having nice things or a stable financial future. This makes us resourceful, so that when we
do
get stranded in Southeast Asia, we can figure out what to do.
Like I said at the beginning of this reply, everything we do in life is a choice. I chose to drive home drunk 6 years ago, get a DWI, go completely broke, struggle for a long time (all the while dreaming of travel), and quite frankly, if I had read your article during that time in my life, I probably would agree with you, because I was in a "why is this happening to me," victim-mentality state.
Side-note: my parents have never paid for anything in my life once I turned 16 and got a job to pay for my car.
I
chose
to turn my life around by making better choices, everyday. I had to take each day at a time and now, here I am, able to travel whenever I want
on my own dime,
because I chose to be here. I have lost friends, have moved away from loved ones, and spend lots of time alone. Could I go back and get a Master's? Yea, sure. Could I get a really great job somewhere, so I can buy a house? Yea, sure.
But I don't want to
.
So I'm not.
Because that's my choice.
I understand why you wrote the article, and what you may have meant, but you also came across extremely one-sided and presumptuous.
Regards,
Tiffiny Costello
tiffinycostello@me.com
24 Hours in Omaha
Planning to visit Omaha? Check out www.visitomaha.com! |
Ok, back to things you can do in Omaha in less than 24 hours!
How I'm Doing It: Traveling, Working, & Not Going Broke
I usually keep my posts short-form, but this topic is incredibly important and new to me and I have tons to say about it. I hope whoever reads through the whole thing enjoys it, and leaves me feedback in the comment section at the bottom!
The day I quit, I decided I wanted an obvious sign and the first song on the album, "Cassadega," by Bright Eyes came on during a Songza playlist I had going in my ears at work.
The first part of the song is a recording of a woman speaking, and the part that completely made me well up with tears in my cubicle (because I knew what it meant), was the following:
The next thing I know, the following words released from my heart to my brain, and then came to life in my tear-choked voice:
My first $20 after being self-employed! |
Security is comfort, and comfort make us lazy and complacent.
Which brings me to another thing that needs to be mentioned:
**Edit: I think it may have been confusing to not mention the brands that I DO work with, who have found me because of social media. These companies are incredible and they didn't just send me a copy and pasted email to get in touch with me. They connected with me personally, got to know me, and are great to work with. So here they are:
I work and collaborate with some amazing brands: Teton Sports, ECCO Outdoor, BoldBrew, Mountain Hardwear, Yonder & Outdoor Women's Alliance, just to name a few of the brands who have helped my personal brand amplify, and get me to where I am today. Whether it was an awesome social media internship (Outdoor Women's Alliance), or the opportunity to connect with an incredible marketing team to interview for a job (ECCO), these brands have been BADASS to work with!
Guess what: you can't just tag brands on Instagram and use their hashtags and expect them to come begging you to work for them. You'll get free stuff, but free stuff doesn't pay the bills. Also, the bubble is bursting and brands want to work with people who put really great stuff out there - but for free, because there are so many of us. Don't work for free if you want to make a living from your photography, writing, etc. Plus, when you work for free, it devalues my work when I ask for pay. Say no to brands who don't want to pay you, but want photos, blog posts, and shoutouts on social media in exchange for a $100 pair of shoes. They have marketing budgets. And don't be flattered when you get approached by a brand - it's someone's job to source out influencers on social media who will work for free. Sure, you get to say that you have worked with _________ outdoor brand, etc., but they probably have an influencer-finder platform like Social Native, and are looking for people with more than 1000 followers on Instagram who post a lot of hashtags about the outdoors. Not all of them care about you on a personal level.
I realize I could be calling myself out here, and yes, a couple years ago when working with influencers was fairly new, I worked with many brands, for free. Now, I don't. If you see me promoting a brand, it's because I really believe in 1) that brand as a company & love their product, 2) they are paying me, 3) I have an incredible relationship with them and am happy to promote. It's not because I am greedy, it is because I simply don't have the time to talk about random brands who send me things if they are not paying me, or I just won't use or wear what they have sent me, even if they paid me.
Social media is amazing (hello, it's how I pay the bills), but like I said: the bubble is bursting and you really have to stand out and have more to offer than photos and the ability to hashtag. (i.e. start.....a blog!)
I get a lot of people are asking me, "how are you paying your bills?" "How are you able to afford to travel so much?"
Chicago 2015 |
Tokyo 2014 |
Bali 2014 |
Grand Canyon 2014 |
- I have stopped buying new clothes; I just don't need new clothes! I am not a fashion blogger, so I can get by with what I have. :)
- I have stopped buying shampoo and toothpaste (I am making my own).
- I don't buy alcohol - oh my GOSH you save so much when you're not buying drinks!
- I make my coffee at home.
- I work at home, which saves gas.
- I buy fresh produce, not packaged crap. <---guess what you're paying for when you buy packaged food?
- I do yoga at home.
- I run outside; gyms are a waste of money in Colorado.
- I rarely eat out.
- I pay cheaper rent and utilities by living with roommates.
- I charge what I am worth. <-- this is the big one. Right now, I am making good money, but not being overpaid. I am working for what I believe I am worth, based on research I have done and self-assesments of the skills and quality of work I bring to the table.
Next week, I have a blog post talking about my methods of cheap, frequent travel. I can't wait to share!
2. I have learned how to budget & learned how to STOP worrying about money.
Living paycheck to paycheck for my entire life, I never learned how to budget, because I never had enough money TO budget. I just paid whatever bills I could pay with each paycheck and then spent the rest.
Now that I am being paid more and taxes are not taken out, I have to be incredibly careful with my money, but not in a worrisome way. I just plan better. I have to consider the fact that I need to pay taxes every quarter. I also have to consider that I might not have enough work in a few months, yet the bills will still need to be paid.
I bank with Simple (100% free, no overdraft fees, no minimum balance), and they have a cool feature which allows you to "hide," money from your "safe-to-spend," balance. This allows me to allocate money for rent, car payments, and other bills.
You can also setup goals with future dates, and it will pull money each day from you "safe-to-spend," balance, until that goal is fulfilled. I LOVE SIMPLE SO MUCH.
Go get your experiences, now. You will regret not doing that. Don't let debt consume you. It's taken me quite some time to mentally not worry about my debts - but that doesn't mean I am just letting them go unpaid. I do believe "karma" trickles into your finances, and I have also found the more I give, the more I get. My relationship with money has changed from, "I never have enough but I want as much as possible," to, "I just need enough to get by & not worry."
I tip, always. I overtip, often. If I feel compelled to tip 75%, I do it. Having an apathetic attitude towards money has really helped me stop worrying about it. Also, I was a bartender/waitress in the past, so I know how much it means to get more than 20%.
Also, the amount I charge for my work is the value I put on my work and the value a client will get delivered to them. When you work for free, doesn't the quality of your work diminish? Clients who want to pay you what you are worth understand that they are going to get good work. Trading work is fine too, but I would keep those situations short-term. For example, "can you design a logo for me and I'll audit your social media channels and show you some tricks?" I wouldn't schedule or manage content in a trade - that is too time consuming and the bulk of my paid work is managing content on clients' social media channels. Coming up with creative strategies and campaigns are my favorite part of my job, but right now, management pays the bills.
3. HUSTLE.
Things will not fall into your lap. Quit thinking that's how everyone who has made anything of themselves has done it.
- Quit thinking others are lucky and that's how they got to where they are.
- Quit thinking others are more fortunate.
- Quit thinking, "they got their big break."
- Quit sleeping in.
- Quit procrastinating.
- Quit planning and start doing.
- Quit thinking you don't deserve your dream life.
I'm currently listening to Amy Poehlers' autobiography, "Yes Please," and she even talks about the fact that she didn't get to where she is easily. She had to put years of work as an unpaid/underpaid improv actor before auditioning for SNL.
So far, I have not had to look hard at all for any of my freelance work. I've gotten work from connections from past jobs and people I meet. I'm even talking to a guy I met in the Chicago airport about a big campaign he wants to hire me to manage. Networking and confidence are key in the freelancing world!
Another thing I have done is asked small businesses, "who manages your social media?" and sometimes they have a full-time person and sometimes they don't. I have business cards on hand and am always ready to hand one out.
Because my work is not full-time, I always have to be searching out new work on the horizon. I won't tell you how I do that because then you would be my competition. ;)
4. BELIEVE
If I didn't think I could take on the world, I don't think I would be trying to start a business, travel, and inspire others.
I truly believe I can take on the world. So I am doing it, starting with myself. If I can conquer myself, meaning, if I can learn how to love myself, believe in myself, nurture myself and daily recreate myself, I can take on the rest of the world.
A couple years ago, I got my yoga teacher certification, and although I am not teaching yoga, the lessons I learned from that training changed my life. I learned how the brain worked when habits are formed and created. I learned how thoughts direct everything in your life, down to the aches and pains your back has. Beyond thoughts, your breathe is everything.
What do you really want in life? How do you want to affect others? Where do you see yourself when you let your mind wander?
Have you started to shape yourself into that life? Are you ready to trek down the path of being brutally honest with yourself about your faults and strengths -- and then be ready to change them all in exchange for your dream life?
Anthony Bourdain as a quote about travel, that pretty much sums up how I feel about chasing my dream life:
My Own "Eat, Pray, Love."
“The only thing more unthinkable than leaving was staying; the only thing more impossible than staying was leaving.” - Elizabeth Gilber; Eat, Pray, Love.
Photo: Laurie Tewksbury // Mt. Evans |
Travel & Adventure Inspiration on Instagram
So it is not a surprise that I am now finding travel inspiration on Instagram, and I've got 10 of my favorite travel & adventure accounts to share with you!
Do you have any favorite travel Instagram accounts or blogs I should be following? Be sure to share them in the comments!
1. World of Wanderlust (@worldwanderlust)
Brooke is 23 and has traveled to over 50 countries - mostly solo. This girl is an incredible inspiration because she keeps things real, is always on the move, and has the best blog! As an aspiring travel blogger, I am learning a ton from Brooke!
2. Passion Passport (@passionpassport)
Passion Passport is a great account to follow for international inspiration, an engaged community and they also host some awesome Instagram Challenges with amazing prizes. I mostly just love getting severe cases of wanderlust when I see them pop up in my feed.
3. Tiff Penguin (@tiffpenguin)
Tiffany Nguyen is awesome because she shares my name, but also because she takes ridiculously beautiful photos! Her photos are very outdoor-centered, so you can also get some outdoor inspiration from her feed.
4. Liz Carlson (@youngadventuress)
Liz is great to follow! She is a female travel blogger, and was recently featured in an article on BBC Travel about how she quit her job for full-time travel (FYI - it doesn't happen overnight). I also love following her on Snapchat (youngadventuress).
5. Melissa Hie (@girleatworld)
Melissa Hie has the most yummy Instagram feed: travel + food?! I'm in heaven. I love when I see her photos in my feed because I not only get hungry for international food, but also love to check out what's going on in the scene behind her treats.
6. Dame Traveler (@dametraveler)
Dame Traveler is a community of women travel inspiration, so it's obvious why I love following them. They also have travel stories on their website and participate in Instagram takeovers!
7. Candace Rardon (@candacerardon)
I discovered Candace because of a Dame Traveler Instagram takeover - her photos are the drawings of the places she visits. I love how she merges art and travel with her drawings!
8. Murad Osmann (@muradosmann)
Murad has an amazing, #FollowMeTo series on Instagram that involved his girlfriend walking towards something during their travels and he is holding her hand. I love this idea, and love staring at his photos! He also has a book of his Follow Me To series.
9. Kate McCulley (@adventurouskate)
Kate McCulley is such a fun person to follow! She is also another solo female travel blogger and her blog is chock-full of tips, photos, and chronicles of her awesome experiences. She is also a blast to follow on Snapchat, and is a great inspiration to aspiring solo-female travelers.
10. Amanda Williams (@dangerousbiz)
Amanda Williams' blog is named, "A Dangerous Businesses," after a quote from The Hobbit! I know my love for travel narratives has much to do with why I love travel, and I thought it was so neat that she named her handle after one of the best travel narratives!
Do you have any favorite travel Instagram accounts or blogs I should be checking out? Share them in the comments!
36 Hours in Chicago
Last week, I added a flight to Chicago before I headed back to Denver from my New Orleans & Dallas trip, which gave me 36 hours to explore a new city: Chicago!
Check out the gif of my room, which had lockers (you bring your own lock), and lights in each bunk so you don't disturb others. I plan to check out other Hostelling International locations, simply because I was so impressed with the Chicago location.
Because I had just one full day to explore the city, I tried to make the most of my time there.
A few things you should do if you plan to visit Chicago (by the way, everything here was free, except the Art Institue, which was only $15):
1. The Riverwalk: the Chicago River runs through the city and you can access some shops and restaurants right on the riverwalk. I ate at a nice little Italian place for lunch near the river, before attempting to catch a boat to Lake Michigan (plans fell through due to weather).
Most amazing mussels for lunch! |
The Marina Towers - Also famous on the cover of Wilco's, "Yankee Hotel Foxtrot." |
Vincent Van Gogh - Self Portrait |
Georges-Pierre Seurat - A Sunday Afternoon on the Island of La Grande Jatte. |
Vincent Van Gogh - "Bedroom in Arles." |
I was slightly bummed that there was zero visibility, but it was still really cool to be in a cloud.
It was also incredibly amazing when the clouds lowered for about five minutes and we were above the fog!
New Orleans: 5 Interesting Facts to Take With You
Before heading down south, I looked up some history on New Orleans and found the following to be quite interesting. (Do you enjoy looking up the history of your travel destinations?)
1. Cemeteries are built above ground to prevent bodies from floating upwards during floods. The city is built on a swamp, and is technically below sea level!
Photo: tripshock.com |
3. The Lake Ponchatrain Causeway is 23.83 miles long, making it the longest continuous bridge in the world!
Photo: wikipedia.com |
5. Beignets! If there's one thing you should experience while in New Orleans, it's one of the things it is famous for, besides jazz, Mardis Gras, and Cajun food: Beignets. The most famous place to get a plate of these doughy, sugary treats is Cafe Du Monde in the French Quarter.
Au Revoir: Time to Travel!
After that, I will hang around Dallas for a bit longer before heading to Chicago for a 48-hour adventure, then back home to Denver...before hitting the road again.
Let Go: Find the Time to Make the Time.
I have been in San Francisco at the Yoga Journal conference, which means lots of yoga, lots of patchouli and lots of time to redirect my focus inward.
My favorite class was with Seane Corn. That woman speaks my language and teaches in the way I want to teach one day. More importantly, she reminded me of something very important:
It's ok to let go of something that no longer serves you or your purpose. It's ok to let go with love.
For the last couple of months, my days have bled together. I am able to fit in a hike in the mountains here and there, but because of the lack of daylight hours and the time I am working at my job, I have little time to myself. I quit practicing yoga, I quit meditating, I quit feeling calm and peaceful, and most of all, I quit feeling purposeful.
Hello, anxious, flippant Tiffiny from yesteryear! Never thought I would see you again!
"All great changes are preceded by chaos." - Deepak Chopra
Without going into too much detail, the next couple of weeks are going to be interesting for me. I have a feeling "letting go," will be the theme, so that what's been trying to enter my life, finally has the space to enter.
I've just needed the time to find the time to realize that.
Photo: Marisa De Luna Jarae |
Solo Travel: Do It Because You Will Love Yourself
Hello!
I am currently in Washington D.C., by myself. I love it!
"Happy," is an understatement of my emotional, physical, and mental state the last few days.
Before I left Colorado, I was in a slump. My brain was mushy, I had not been doing yoga everyday. (I'm not sure if it's because I'm saturated with it at work now, but something is up with my yoga practice. To be determined).
Loving a city you don't know is a door towards loving yourself. I love this city because it's alive, bustling, new and I find myself finding so much to be happy and thankful for. I'm also having to learn the subway system here, (thanks to the Transit app, this is not as hard as NYC was for me in 2007).
I'm not sure there is anything I love more than traveling alone.
Really.
Minus the extra cost of hotels, taxis, etc., traveling alone is so much better than traveling with other people:
You don't have to make decisions for anyone but you.
You learn the layout of the city you are in because you have to. (I'm guilty of letting others navigate when I'm in a place I don't know, so therefore, I never learn the layout).
You get to do whatever-the-heck you want.
You connect with others around you - because you're aware that they are there.
No waiting on someone who sleeps in late.
No waking up until you want to.
You uncover an affection for yourself, because you ARE capable of being alone in a big city!
The only awkward thing is taking photos of yourself - but I'm a-ok with that.
Going Out Alone: Tips + Encouragement to Those Who Enjoy Flying Solo
I know better than to get egotistical about being in Nature alone, because when it comes down to it, Nature will always win against the ego.
Having hiked around 20 peaks since moving to Colorado in March, I have learned a TON about hiking in the mountains*:
What to take:
- Water.
- Food.
- Good Shoes: bad shoes can ruin a hike. I'm nursing two yucky heel-blisters right now.
- Trekking Poles and/or gel inserts to save your knees during descents.
- Breathable clothing.
- Layers: you will remove and put-on layers frequently during hikes above tree-line.
- ClifBar Bloks or that tasty Honey Stinger energy goo: these are amazing for bursts of energy!
- Water.
- Water.
- Water.
- A water filter in case you need to drink from a stream. I use the LifeStraw.
- Water.
What to know:
- The weather will change, and it is probably against you.
- Start early. Get off the peaks & back to tree-line before noon to be safe from afternoon storms.
- Leave water in your car, so when you run out on the trail, you have something to gulp down when you get back.
- Take waterproof everything - the weather can and WILL change on you!
- Tell more than one person your plans, time estimates, and check in if you happen to get service on the mountain. (Yesterday, I had service for my entire hike on Quandary).
- If something doesn't feel right, LISTEN to that. Turn around, bail, etc. Intuition exists for a reason.
*These are MY findings. Nothing official or professional. Feel free to comment & tell me what I've missed, for I am still learning. :)
Why Go Alone?:
Ladies, get ready for people to really care about you when they find out you want to do things like travel or hike alone. I don't know if it's the same for guys, but I get lots of cared concern from friends/family when I let them know I'm heading out (to hike) alone. I absolutely love going on hikes & traveling alone because I get to completely open up and take in everything around me. I also love going with people, because I get new perspectives and have great conversation.
However, if you do not normally venture out solo, here is why it's a great thing to try:
- You learn more about yourself: when you're out alone, you don't have other people to silence your own thoughts. It gets interesting to see what your mind does when it's unleashed.
- You can try new things, while nobody else is watching: it's interesting to be by yourself and try things simply for the sake of trying them. You don't have to worry about what anyone else thinks, and you can fail or succeed, and then take pride in the fact that you gave it a try.
- You find confidence: doing things on your own shows you what you are capable of. Insane confidence-booster.
- You find new perspectives: take yourself out of the normal social situation: it leaves you with you. Your perspective can change just as much on your own, as in group gatherings. Allow yourself to see everything, for the sake of seeing it.
- You get the chance to face your fears: yesterday, I hiked for about an hour with a headlamp, in the woods, alone. I could hear my heart beating in my ears, because my #1 fear during a hike is running into an animal who hasn't eaten. I usually let my intuition guide me during these type of situations.
I encourage everyone to get out there on your own. A hike, a road trip, whatever. You will refresh you soul, your perspective and find out more about yourself.
Do you already go out alone? What do you like about it?
Travel Essentials: A Wish List
My cats love my suitcase. |
Camera bag, computer backpack, suitcase. Need to condense a bit! |
From Denver to Bali: 20 Hours in Transit
Last Tuesday, when I left work a couple hours early to catch the bus to Denver International Airport, I had an inkling of what I was about to get into, but did not realize how much time would change for me in over the next 20 hours. Or was it 24 hours? 15? I lost count, because we hopped over the International Date Line, and launched forward, into the future!
September 9th:
6:05 pm - Arrived at Denver International Airport.
Photo: Heather Davis |
Photo: Heather Davis |
8:25pm - On flight 1 of 3: Heading to LAX first!
September 11th (At this point, we've crossed the International Date Line):
Sometime around 3am: Heather takes a selfie w/ someone sleeping in her row.
Photo: Heather Davis |
5am - We have landed in Tokyo, and are looking for bathrooms. Oh, we found some...interesting ones.
Photo: Heather Davis |
Photo: Heather Davis |
Sorry If You're Hungry! (Food From Bali & Japan).
Tiffiny's Travels: Seminyak, Bali & #POSEWHENEVER
Adjusting to Boulder & Finding Home Within Myself
First Thoughts in Boulder: New Chapter for a Granola Girl
“The Future is, of all things, the thing least like eternity. It is the most temporal part of time--for the Past is frozen and no longer flows, and the Present is all lit up with eternal rays.” - C.S. Lewis
"From the Flatlands to the Mountains"
Wanderlust Colorado in Photos!
5 Simple Tips to Traveling on the Cheap
Traveling with one person or more helps cut costs SO MUCH. I prefer to travel alone, but when I do travel with friends, it helps tremendously on things like car rentals, hotels, etc. Staying with friends is also a money-saver.
This is probably the KEY to why I am able to travel. Setting aside time and money for my future travel adventures is part of my monthly income. I don't have a new car, I don't go out drinking, I don't dine out often - and all of these little things help me have more money for travel. Many people tell me how jealous they are that I get to travel so often - but I manage my finances so that I CAN travel. I pay my bills first, then go grocery shopping, and whatever is left is adventure money! I do have a credit card that I use when I'm traveling and before I book another trip I pay that card off. This method has worked for me over the last year and I have no travel debts that last longer than a couple of weeks.