Budgetin & Trippin

“Budgeting isn’t about limiting yourself – it’s about making the things that excite you possible.”

Traveling is a huge expense but very manageable.


The first step is knowing how much you are bringing in. Start by having a well paid job or business. Once you know how much money you bring in a month , you can create a monthly budget .

Start with your large expenses such as rent , car insurance, tuition , phone bill , etc.

Usually these expenses are the same price or estimated price range every month so it is easier to break it down.

See if you can create a payment arrangement or put the bill on a credit card. But be careful & always have enough to pay off your credit card .

For example , my phone bill is about $130 a month so instead of paying it one time , I do a payment plan for every other week.

After you have your large expenses , you can break down the smaller expenses .

Break down each expense in the categories wants & needs. Try and cut out what you don’t need. After these categories, you should have a monthly saving goal .

Save any extra money you have. If you had trouble saving, try my favorite saving app Digit !

Remember the budget rule : 50 % needs , 30% wants, & 20% savings. However , you can adjust the savings to make it larger .

Creating A Monthly Budget

Step 1 : List all monthly income .

Step 2 : List fixed expenses ( rent , phone , insurance)

Step 3 : List variable expenses

Step 4 : Categorize needs , wants , and savings .

Step 5: Adjust budget to your preferences , trim where you can , and save what you can .

Sample Budget

Read my blog post 15 Ways To Save Money !


I make travel a priority , so in my budget I include my trip costs. I average about $2,000 a trip but sometimes I don’t even hit $1,000 . I only spent $896 in Cancún Mexico .

With each trip , I plan a budget of $2,000 . If it’s a Carnival trip , I plan a budget of $4,000.

I normally don’t go over budget. The goal is to always have extra in case of emergencies.

You should always have a budget on your trip.

Here are a few tips that will help you not overspend on the trip :

1. Hotel / Airbnb – Call ahead to find out if you paid in full or if you have any other fees / deposits to pay. Most hotels have a refundable security deposit . Be prepared to pay the deposit and know you’ll be without that money for a few days .

2. Excursions – If you didn’t book ahead , research around for the more affordable options. Check to see if the excursions offer food or drinks . If not , bring snacks and water . The best sites are Expedia , Viator, Airbnb Experience , etc.

3. Food / Drink – If you’re at an all inclusive resort , take advantage of the food and drinks. If you’re at a hotel , check to see if there’s free breakfast . Buy a large lunch and use it for lunch and dinner. See if you can find any lunch or dinner specials . Have some snacks in the room .

4. Cash – Always bring how much cash you plan on spending and this will be your preliminary budget. Please keep in mind how much you’ll bring for tipping as well.

5. ATM – Be aware of ATM fees . Only use if absolutely necessary.

6. Assertiveness – Say no ! Don’t be afraid to say no to the vendors . Some are extremely pushy and want to force a sale. Be polite but say no if you can’t afford it .

7. Souvenir Shopping – Don’t buy drunk like how I did in Mexico . There’s usually sales or discounts in the gift shop .

8. Hair – If you plan on getting your hair wet , I wouldn’t get a fresh hairstyle. If you can do your hair yourself , that’s even better . If you don’t know how to do hair , maybe ask someone to do it for you for an affordable price or try a wig .

9. Nails – If you want to save some money , try press ons and do your own pedicure . Even skip a few months then get your nails done before your trip.

10. Clothes – You don’t need a whole new wardrobe for a trip. I usually check my closet first and then buy one or two new outfits for my trips.

11. Adulting – Be sure to pay all bills before you go . You don’t want to come home to your lights off .

12. Time – Travel in off season , weekdays , and non holidays . It’s less expensive to travel during these times. The great benefits are cheaper rates and less crowds .


Grab your FREE monthly budget worksheet HERE !

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