Travel & Living

You can make travel a part of your to-do-list irrespective of your financial situation

Do you want to take a break from your daily monotonous life? Well, how a vacation does sounds to you? The world is a big place, there are too many things to be explored and time is short too! Travel is always somewhere in the mind of to do list. People travel to feel relaxed and refreshed. Traveling also keeps you motivated.

Love for travel

Getting away from home gives you the time and space to know more about yourself. You come home with a new mind and perspective. New places give you new challenges and new experiences. You get to meet new people from different cultures and food. You will also learn to respect and appreciate other cultures too. Also, traveling brings in and builds relationships closer. In today’s busy time and lifestyle, you don’t get to know the family much. You can go and visit your grandparents, relatives, and so on. So traveling is an opportunity to connect.

Categories of travel

Business travel: A business travel is only for business or official purposes. You can only travel to the place without much exploration.

Solo travel: Traveling all alone by yourself. It is a unique way of experience, and you get to spend time all alone and also know yourself.

Traveling with friends: People make memorable moments with friends. You can always have an adventurous tour such as river rafting, trekking, skiing, and lots more.

Family travel: Traveling doesn’t get restricted once you have family and kids. People take a break from the daily routine and go for a weeklong trip or plan for a long vacation.

Traveling in a group: This is also another experience wherein you get to meet people with a similar mindset. You get to bond with different people and also increase your friend circle

Adventure travel: This is mostly to do with physically challenging outdoor activities.

Some suggestions to choose kinds of travel

If you are looking out for some calm and silent environment great idea is a good homestead in remote areas. You get disconnected from the outside world and enjoy the leisure time. No worries for even the food where you get it from your homestead owners. All you have to do is pay the bills and rest comes at your table.

If you are looking out for an adventurous tour, you can check for trekking, rafting.

And if you want to feel nature, sun and beach is the right place for you. So, with the above steps, you can choose and plan to think of either going for a vacation with friends, family, or solo.

Benefits of traveling

With little time and no money cannot be one of the reasons to not travel. Traveling makes you feel better physically and psychologically. When you are out of your comfort zone, you might be in challenging situations. Once you are back from travel, you will feel refresh to start with your regular work.

Is traveling a bad idea when you have debts in your shoulder?

Some people would say it is an irresponsible thing to even think of travel. The money could be used for clearing off the debt rather than wasting it on traveling. It is okay to travel when you are still in debt. Debt will always be lurking, and it will be there. By the time you clear off your debt, you might have grown old. You might not be energetic enough to enjoy the vacation.

You can plan wisely for travel when still in debt

People consider traveling as a costly and leisurely expenditure. If you have a big debt, it could take a long time to pay off the debt. In between, you can still have fun. Some people enjoy shopping, some eat and dine out in restaurants, and some like to travel. Unfortunate are those people who are so much engrossed in their debt that they do not consider travel as a part of life.

Some tips for managing your debt

Although, you have a huge debt, here are some small tips that may help you in paying off

  • List out your debts as per your interest rate. Make a list in descending orders. Start paying bills with the highest interest rate. This will help you in clearing off your debts accordingly.
  • Try to find several means of income to clear your debt quickly
  • You can plan and try to reduce your monthly expenditure. And use the extra saved money for debt clearance
  • Pay your debts monthly without any fail

Certain strategies to plan your vacation when on debt

  • You can cut down your cost like dining out in restaurants; commute more on public transport rather than the cabs.
  • You can also minimalize your shopping
  • Don’t take more debt to travel. Make sure you have enough expense to cover the trip.
  • Try to plan the trip after your monthly bill payment. In that way, you can travel with a free mind.

Travel with debt

You can always travel around to explore the beautiful world when still young and healthy. It is not wise to plan your travel dreams after retirement. But I feel you should not travel with your credit card bill. These will create a mountain of debt. You can always plan your travel diaries accordingly. In fact, you can plan for a short trip monthly or plan for a long vacation yearly. Check debt consolidation ratings to find easy ways to get out of debt.

Ways to reduce cost

You can always check for cheap air, rail transportation, food, etc. Always use your credit card rewards wherever applicable. You can choose to stay in a hostel or sharing rooms rather than staying in a hotel. Simultaneously while traveling sees if you can also earn some extra money. You can look out for some part-time job, or freelancing from remote areas. It is a bonus to earn extra while traveling.

The takeaway

So, being in debt with less or more, you need a break and enjoy the vacation. You should try to plan wisely and avoid piling up your debt during traveling. I am sure once you are back from the tour, you can find various means even to pay off your debt

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I Started out in 1976 trying out to sing in bands but no bands were interested in me. In 1977 I started playing guitar. The individual that was teaching me (who for now will remain anonymous) told me that I would NEVER learn how to play guitar because I had no sense of rhythm. I joined my first band in 1978 called "Dead Center" in Jacksonville, Florida. I played an Aspen guitar, black; a Les Paul copy and in 1981. I gave that guitar to the teacher who said I'd never learn to play. I wrote my first song in 1979 or '80. Over the years I have been in many bands but my passion has been songwriting. I have written well over 100 songs and though the early ones were kind of rough around the edges, I think that most of them could be dusted off and given a new facelift. Today I am still working on my songs. Currently I can play guitar, bass, keyboard, drums, harmonica, and Native American flute. The flutes that I play are ones that I made myself. My guitars are the Epiphone G-400 faded, an Ibanez RG370 DX, an Epiphone G 1275 double neck guitar. My acoustic guitars are an Alvarez 12 string and an old Kay guitar. My drum set is a Peace drum set. I do my recording on a Zoom HD16.
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