Travelling is fun but it can also be expensive. Whether you only go for as simple as enjoying a dinner and a day tour or as intricate as booking flights and hotels, you would see yourself caught in a dilemma of how to pay all the expenses you incur. Would it be cash, a check, or a credit card?
While, in fact, a traveler always needs cash, you can take advantage of using a credit card to make your travel abroad easier and simpler. Prepared with a card, you would get rid the hassle of having to find a currency converter center. Also, you will be safe of losing money from pickpockets. But you must remember that using a credit card while travelling overseas does not, in itself, cause you to spend cheaper. Here are tips and advices that you can follow to maximize and wisely use your credit cards while on travel.
Check if your Credit Card has NO Foreign Transaction Fee
Most of the bank cards usually carry additional fees for overseas transactions. Typically, 2-3% of the original price is added as an extra charge, resulting to you paying more for every purchase while travelling abroad. Hence, it would be wise if you check your credit cards before you depart for your trip. See if there are agreements in your cards that include transaction fees. If they do, better apply for a credit card that does not charge a fee for foreign transactions.
Inform Your Credit Card Issuer of Your Travel
Just like how you let your mom and dad know, when you were younger, that you were going out, you should also call your credit card companies that you are travelling abroad. Ring them over and give them essential information about your travel plans. There are credit card issuers that use a security software to their cards to avoid fraud. Consequently, when you use your card overseas, without informing them, chances are you would experience decline or worst card suspension. And you don’t want this to happen to you. So, make sure to ask your card issuer a phone number that you can easily contact when something comes up while you are on travel.
Ask Questions Before You Go
Before you leave, ask your travel agent, if you have any; or your card issuer if your credit card would properly work in the country where you are going. You can even check with your booked hotel if your card is acceptable. There are still countries, especially in Europe, that use magnetic stripe cards. However, small stores, restaurants and transportation mostly use chip-and-PIN. You may also contact your banks perhaps they issue a chip-and-PIN card.
Be Mindful of Dynamic Currency Conversion
Dynamic Currency Conversion means that for every transaction that you do, merchants charge you in dollars rather than in their local currency. This could lead to an exchange rate unfavorable to you. To avoid these costs, you should not sign any receipt or check that is not expressed in their local currency. Check the conversion rates as well.
See Credit Card Rewards and Benefits
It is true that not all credit cards offer similar benefits. So, there would be no harm in checking if your card also have travel perks. See if your cards offer car rental discounts, booking flight incentives, free breakfasts at hotels, medical travel insurance and other probable benefits. Pick a card that gives you rewards and points while travelling abroad.
Being knowledgeable in using your credit cards gives you a great advantage while travelling across the globe. You don’t need to stress yourself out as you go travel the world. At the end of the day, life is meant to be enjoyed wisely.
Do you have other advice in using credit cards abroad? Feel free to share in your comment!
Amazing Reads of the Week
Coffee Cherry Skins: The Superfood You Haven’t Heard Of – Epicure and Culture
Istanbul Sultanahmet Photo Essay – Traveling Ted
Mizen Head: Neither the most Southern nor most Western Point in Ireland – Everchanging Scenery
8 Unusual and Cool Things to do in Istanbul – Turkish Travel Blog
Discover New York: Central Park Through The Eyes Of A Local Photographer – Jessie on a Journey
50 Things to do in BERLIN! – That Backpacker
Cliffwalk at Capilano Suspension Bridge Park – Travelling Canucks
How to Travel the Caribbean Backpacking on a Budget (25 USD/day) – Cycling el Mundo
What is Glamourous to you? – Glamorous Traveller
A&Z: What it’s like to Travel in a Mlticultural Couple – Backpack Me
Bucharest Gara de Nord: A Mixed Bag – Passing Thru
10 Ways Travelling Will Change You – Be my Travel Muse
Eat at Tokyo’s ‘Kill Bill’ Inspiration Restaurant – Bucket List Journey
Why You Need Travel Insurance – D Travels ‘Round
Credit card are considered evils of our society, things that should be avoided at all costs. Why? Because they can lead to serious debt. Quite a number of people struggle under a load of Credit Card Debts. This is because they keep on purchasing goods and services without realizing that they are over spending thus they end up accumulating huge debts which mostly they struggle to pay. There are some steps you can follow to make sure you don’t get into credit card debt.
Charge only what you can afford
Don’t buy stuff you can’t afford. This might sound obvious, though it is a common trap that many fall in to. If you wouldn’t spend cash on something, why buy it with a credit card? After all, the day will come when you need to spend that cash to pay off your card, so always think twice before charging a large purchase.
Have an emergency fund
Set aside emergency fund to cater for unplanned emergencies that may arise rather than using credit card that might accumulate huge debt.
Create your own budget
Come up with your own budget based on the amount you posses and strictly adhere to the budget. Let every purchase you make with your credit card not forgetting their hidden charges be within your budget.
Pay on time
Pay your balance each month. If you can pay off the balance of your credit card statement each month, you will avoid paying interest charges. Interest and fees are really where credit cards get expensive, so avoiding paying interest at all costs.
Use Prepaid cards
Use a prepaid card whenever you’re shopping. By using prepaid cards, you get a particular amount of money to spend and you don’t have to worry about overreaching your credit limit.
Leave your credit card at home
Leave your card at home when you go shopping. Unless you know for certain thing you’re going to buy using the card, there is no need to take it with you. This will completely take the temptation of using the card for a spur of the moment purchase completely out of the equation.
Avoid cash advances
Avoid using credit cards for cash advances as they attract higher interest transaction fee and you don’t get a grace period.
What is your approach in avoiding credit card debts? Let’s us know in the comments below.
Amazing Reads of the Week
Life After Debt: Planning Ahead For Our Debt Free Future – Disease Called Debt
Top 10 Summer Memories – Financially Blonde
The Four Stages of Financial Independence – The Simple Dollar
If You’re Going To Succeed, You Have To Have a Plan! – Enemy of Debt
Defined Contribution Plans: Why Opting Out Shouldn’t Be An Option – Boomer and Echo
Luzern and a Novel Approach to History Interpretation – Elizabeth M. Covart
Challenges of A Traveling College Student – Twenty-something TravelRead More
Are you traveling to Paris to celebrate a marriage anniversary, a vacation at Maasai Mara in Kenya or visiting friends in London. You are really anticipating the trip and praying against all odds for the trip to be. As much as you anticipate all these, here are a few challenges that you can face as a traveler and are beyond your wit.
1. Flight Delay
Nothing frustrates a traveler like a delayed flight. this can be caused by poor weather, flight cancellations, maintenance problems with aircrafts, fueling, air glitels congestion in air crafts, security issues, late arrival of the aircraft to be used for the flight from a previous flight among other reasons. A delayed flight can be very costly to the traveler as they are forced to adjust their personal schedules.
2. Airport Security
Going through security check at the airport can be very cumbersome to the traveler.
this is because of delays and adjustments in protocols such that it can be hard for the travelers to keep up with changing tide.
3. Losing your Luggage
Losing a luggage can be attributed to various factors like the attendance typing the wrong destination code, forgetting to pick your luggage, routing label gets damaged, your bag is loaded on the wrong plane among other reasons. To avoid loosing your luggage always; double check if the routing information on your bag is accurate before being sent down the conveyor belt, make yourself known by placing various ID cards in various pockets and poaches, by sharing your itinerary so that the airline workers will be able to route your bag in case the find it and cannot trace you among other advisable measures.
Prescription medication emergencies
It is easier to forget to take a prescription, loosing or running out of medications. It’s even disastrous if your are away from your usual pharmacy, you are in the country the brand name is different or liquid quantities prohibited by airlines.
If you face either of the above challenges, don’t be discouraged, Always remember “There is a solution to every problem. Face the challenge like the brave person you are and definitely your trip will be and you will enjoy to the maximum or achieve your set goals.
Have a Safe Journey, wont you!
How do you face challenges while traveling? Let’s us know in the comments below.
Amazing Reads of the Week
Financial Wisdom From My Younger Self – Disease Called Debt
9 Unexpected Ways Your Budget Leaks Cash – Your Personal Finance Pro
How to Get the Best Rates With Mortgage Brokers – Money Mini Blog
Helpful Social Security References – Oblivious Investor
3 Step For Getting More Out Of Educational Conferences – Advisor Websites Blog
A Flight Attendant Paid to Travel – Travel JunketteRead More
You are a travel blogger or you want to take the plunge in discovering our beautiful but vast planet. The big question to ask yourself is; How will i fund traveling this amazing planet? Don’t worry anymore cause I’ll be sharing those tricks I do to fund all my travels hoping it will be beneficial to you too.
Companies pay you to advertise their products or services on your website. These advertisements can take many forms, such as sidebar banner ads, or sponsored content where a company pays you to publish a post about them. While advertising on your site, be cautious though, you might be penalized by Google loosing all your income in a fraction of time.
Whenever you share maybe a book or any other product, always include an affiliate link to those products because if someone clicks that link and goes ahead and buy that product, you make a certain percentage from that sale.
The world is big and beautiful with infinite number of amazing photos to be taken. Be the one to capture the beauty of a sunset at the peak of Mt. Kilimanjaro or the migration of the world beast at Masaai Mara. Depending on the country you are visiting, there is a good chance that you will make a reasonable income by selling them to magazines or sell them online. Just master a few tips and tricks that will enable you make your photos much more marketable and fashionable.
There are many different types of freelance writing you can do, from writing travel related articles for other websites to newsletters and blogs for various companies. I’ve been doing this for a time now and it worthy all your effort.
Brand partnerships are longer-term projects with companies. There are many brands out there with fantastic products that you would be happy to work with on a long-term basis in exchange for compensation
Is there any tips I’ve omitted you feel should be on this list? Share it with us in the comments below
Amazing Reads of the Week
Things I Did in Riviera Maya besides Diving – Electric Travel Girl
27 Inspirational Projects & Quotes from WDS 2014 – Travel Junkette
11 Ways to Make Money When You Spend Money – Money Mini Blog
Monetizing Your Blog and Spotting Dodgy Advertisers – Mo Money Mo Houses
Summer Project: Moroccan and Bohemian Style Patio – Continental Fairy
What to do, see, eat in Rome? Tips from a local Roman! – Getting Stamped
You do want to explore this universe but you lacks the means and resources. Worry no more. There are plenty of employment opportunities that requires you to travel across the globe. I urge you to go out there and grab them. Here i share with you just a few of those jobs that allow you to travel the world and at the same time earning some good cash.
You are a native English speaker and probably you have a college degree. Then, this is your opportunity to travel the world. English being one of the world’s spoken language, almost everyone all over the world is in need to learn it. This is the best opportunity to go to a foreign country, teach, interact, explore and at the same time get paid. Why waste your time while you could be in Japan passing your skills to them and at the same time exploring her beautiful nature! Grab this opportunity.
This another great opportunity for you to grab. There are several travel companies and magazines out there willing to pay as long as you can travel and write quality articles. The company may cater all travel expensive though you have to produce quality work. Travel writing needs dedication, hard work and of all being creative. So, are you a good writer, creative and ready to travel? Then, this is your opportunity
In the four corners of the world, we do need nurse services. That said , there is shortage of nurses thus high demand. The shortage can be the opportunity to travel the world while still pursuing your career. Nurses are now required to travel from point to the other, hospital to the other in caring for many people in different cities as well as different countries.
If you love or you’d like to travel the world then Tour Guide is the career for you. Where else will you explore beautiful Paris or Athens and get paid for it?
To be a tour guide you need to relate well to people, have rich history of the place, its secrets and its amazing culture. If you’re a multilingual that’s an added advantage.
Being a commercial airline pilot it’s another way to see and explore the world and you get a good salary on top of that. Here you get the chance to travel and see biggest cities of the world.
For you to become a commercial airline pilot you need to have the qualifications, that is, a degree in piloting and other requirements may be needed depending with Airline company.
You need to have a specialized degree to become a flight attendant while other airlines require customer service experience and certification.
Being a flight attendant you enjoy cruising across many and big cities of the globe.
Which other jobs you feel I’ve omitted and they should be included in this post? Feel free to add them in comment box below
Amazing Reads of The Week
Summer To-Do List – Travel Channel
The greatest retirement asset you’ll ever have – My Own Advisor
How to Fly on American Airlines for Free (or Close to it) – Your Personal Finance Pro
West Marin – Crisp Days, Cheese Trails & Wild Beauty – Woman TravelerRead More
Travelers carry with them a camera. They make great shots of mountains, canyon, birds, animals, different cultures. Selling those shots then there you are earning some cash. There are so many websites out there in need of those photos. You can also sell them to magazines or sell them online.
English teaching is in high demand across the globe. If you are proficient English speaker and writer then you are good to land this job easily especially in Asia countries where they are hungry to acquire knowledge of the worlds interlanguage.
They say blogging may take time even a year of hardworking before bringing in income. But if you can build a decent reputation as a blogger then you are good in attracting advertisers to your site thus making some good cash.
There are so many freelance writing jobs such as web content, web copy, news reporter, news paper columnist, magazine freelancer among others. If you have amazing writing skills then try freelance writing. You can get these jobs online on sites like oDesk and Elance.
This job is very common in Australia. Some farmers may pay per hour while others by harvest work done. That means you need to be that proactive. You need to know fruit picking is a hard job, need a lot of concentration and might work for long hours a day.
Import and Export Business
Run an import/export business. Get that item on one country and sell it at a profit in another country.
You might have various skills like scuba diving, skiing among others. You can offer teaching services to people willing to learn those skills. You might even get a lot of customers making it your profession.
Which other jobs do you normally do while on the road? Share with us in the comments below.
Amazing Reads of the Week
This Story Proves There IS Good in the World – Travel Junkette
Benefits for Travel Bloggers – Book of Travel Bloggers
Traveling the Top End with Wayoutback – Caroline in the City
Where to See Leopards in Africa – Travel Belles
Secret Venice – Burano Lace – Aussie in France
On Getting Back to Basics – Notes of NomadsRead More