How to Take Vacations for Little or Nothing

A sign I saw in a delightful little bar in St Pete Beach. The owner was actually a fairly young guy from New Jersey, who had said “fuck it” one day, moved down, and started a totally new business. He had me thinking about whether maybe I, too, should make a major change and literally make vacation my day job. However, thus far, I have taken zero steps towards doing so.

Happy Monday! I almost feel a little silly writing this post as I haven’t taken anything beyond a few day vacation in about four years now, but it’s the second to last post in my Annual Expenses series, so I’m doing it anyway. Over 2017 and 2018, I averaged $300 per year in vacation spending, which included nothing at all in 2017 and short trips to Wisconsin and Tampa Bay in 2018. The minimum level of spending in the vacation category would, of course, be zero, since this is an entirely optional category. That said, I sure could use a vacation. Anyway, let’s get into it.

My first piece of advice on cutting vacation expenses is to use the specific advantages you have. If you have a job that involves a lot of travel, you may be able to use rewards programs with hotels, airlines, rental car companies, restaurants, etc, to very nearly eliminate the need to spend money on those areas altogether when you go on vacation. If you live near a cruise port or somewhere else awesome, you can probably get a last minute deal for practically nothing if you’re vigilant. Don’t overlook the low hanging fruit.

My next best tip is to use credit card churning to pay for some or all of your vacation. While the situation has deteriorated dramatically over the last year, there are still some cards available with large enough bonuses to cover a round trip flight or two, several nights at a hotel, etc. Keep in mind that you need to plan ahead to make this option work. I recommend four to six months, unless you’re looking to get multiple cards, in which case you probably want to start working on it a year out. Some people don’t like churning for various reasons. My take is that if you do the math and figure out what you’re getting “paid” per hour of actual effort (keeping in mind that this is tax free), it makes a lot of sense to work through whatever issues you have. Very few people make THAT much per hour in their day jobs. If you want to look into this option, this post or this post talk more about churning and this website is probably the best source I know of for detailed, up to date information on what specific cards are offering at this particular moment, whether it’s a good deal or not, etc. You can also check out www.reddit.com/r/churning/.  

Vacation doesn’t necessarily mean going anywhere exotic, or even outside of the United States. Road trips are a great way to go on a vacation without spending a fortune. The more people in your family or group, the better the value since each additional person in your vehicle will reduce your gas mileage only slightly, but would require an entire additional plane ticket if you flew. Think of all the amazing things there are to see and do near where you live. I bet you haven’t even been to them all yet. And there are 49 other states full of them, just waiting to be discovered. You can even get suites in extended stay hotels that have kitchens in them, allowing you to avoid eating some of your meals in restaurants. This type of hotel is usually on the more affordable end. For example, Marriott’s Townplace Suites is usually around $100 or so per night in my experience. Or if you’re adventurous, you can even bring camping stuff and avoid some hotel nights altogether. I myself am not that variety of adventurous. But if you are, more power to you.

One other idea is to use online travel sites. Many of them just aggregate the same deals you could get buying from airlines, hotels, or car rental companies directly. However, some of them offer “blind” deals that can save you some serious money. With those, you commit to buying before you find out exactly what you are getting. But with the hotel deals, for example, you usually get to pick an area of a city and the number of star hotel you want. I remember paying less than $50 a night for a few hotel rooms that regularly went for $100+ doing that back in the day.

And as usual, Costco can save you money here as well. They have an entire travel division offering a wide range of vacation options. They also offer rental cars, which have been the best deals I could find more than a few times. But then, if you’ve been reading this blog for any length of time, you already know that my answer to just about anything is going to be “check Costco first.” It won’t save you money every time, but often it will give you a great product or experience for about the same price as a significantly lower quality one.

So there you have it – some ways to save money on traveling from a man who travels for work and almost never for vacation. But remember, that is only my current state. One day when you’re sitting on a beach somewhere, you’re going to look over and see me enjoying some delicious vacation-y looking drink in a seriously relaxed fashion. You won’t know it’s me, of course. But if you follow some of these tips, maybe, just maybe, you will have spent as little as I did to get there. Have a great day, Everyone!

Happy Friday! Sadly, this One is Rather Bittersweet.

Sometimes it rains. And sometimes, it POURS.

Howdy folks! This week, we saw something a little different. My employer’s latest round of firings caught just about everyone by surprise when it was done on – gasp – a Tuesday. Not even the last day of the month. Now I think they’re just toying with us. But in any case, nearly half of our division, by far the most productive in the country, is now gone – and that includes several people I truly love and care about. Yours truly survived again thanks to two very good months followed by a July so stellar it literally eclipsed any previous QUARTER I’ve had by itself. Can I keep it up? Only time will tell. The industry is in absolute shambles, with widespread attrition happening. That’s why I haven’t been able to simply leave. Very few viable companies are hiring and even if they were, I’d likely be jumping out of the frying pan and into the fire. But this latest round has opened up an opportunity for me that I believe will result in a lot of new business. So stand and fight, while diversifying by growing my side business as much as possible, seems to remain my best available course of action for now.

Do you like to play chess? I loved it as a young lad. And lately, I’ve found a fairly convenient way to get back into it a little bit. It wasn’t exactly difficult. I play on www.chess.com. You can play with a computer at various levels or with human players from around the world who you are matched with based on both of your ratings. It works pretty seamlessly. There are lots of different game settings, different types of tournaments you can participate in, analysis, lessons, different ways to practice, basically, it seems to have everything you could want. I’ve only been playing the free version and while it offers plenty of functionality for a casual player like me, there are also very reasonably priced paid versions for more serious players. I highly recommend the site if you enjoy playing chess. And if you give it a try, who knows? You may find yourself facing off with me – although you likely won’t know it.

That’s all for today. Have an awesome Friday and an even better weekend!