14 In Budgeting & Money/ Life Skills/ Our Story/ Planning/ Travel Tips

How can we afford to travel the way we do?

Never Ending Honeymoon | Jacqui and Dan's first trip to Europe

Have you ever suffered from post-holiday blues? Even though I love my job, I find the first week back at work after a holiday is often slow and somewhat tedious. But I make it through because I always have another adventure to plan for or a new destination to research. That’s the thing about travel – it inspires more travel!

I live in alternate realities: I have a “Monday-to-Friday office job” but I am also a part-time traveller, blogger and freelance writer.

I love working full-time and travelling part-time. It’s a lifestyle that works for me and it means that I am not sacrificing one aspect of my life for another. Rather, I am getting everything I want right now.

People often ask me “how can you afford to travel so much?” or “how do you get the time to travel so much?”. Well, let me tell you…

The truth about travel: it’s hard work

We drastically changed our lives so that we could travel the way we do.

Daniel and I left Australia in May 2012 to move to the UK. We left our secure jobs and good incomes, spent much of our savings on a wedding and a honeymoon, and had a great adventure travelling through the US and France. As in every great travel story, we had more than a few unexpected delays (and expenses) and arrived in the UK, broke and desperate for work.

Our first few months in London weren’t great. Daniel worked awful hours in hospitality and I had an admin contact in an office. We were like two ships passing in the night, trying to make ends meet and establish ourselves in a new city.

There were many times during that first 12 months in London that we questioned our reasons for being there.

We couldn’t afford to take the time off to travel through Europe every weekend like we planned. In our first 12 months in London we went to France (to visit my parents), Egypt (because we got 2 for 1 tickets), and camped at Glastonbury Music Festival and in Spain.  We learned a lot about budget travel that year.

Whirwind February

Even though we couldn’t afford to travel as much as we wanted and it seemed like we were wasting our time, and our university degrees, moving to London was the best thing we ever did. The work experience and life skills that we gained during our first few months of marriage and the first two years we lived in London were priceless.

I think we are better people and harder, smarter workers for it. And the lives that we live now reflect this.

How do we travel as much as we do? 

After months of hard work and several temporary contracts, Daniel was offered a sponsored role at his company and we made the decision to stay and work in the UK. Without a mortgage, cars and children (choices we have made), we were “free agents” and we loved the lives we had made for ourselves in London.

Luckily, Daniel’s sponsorship and my work as a freelancer/consultant has afforded us to spread our wings and travel more widely and more often than we were able to before.

Each year, we spend close to 25% of our joint income on all things travel. That includes everything: flights, transport, accommodation, tours, transfers, activities, spending money, and festival tickets. Compare this to the 28% of our joint income we spend on rent and bills in London and it is clear that we love to travel.

We have fun challenging ourselves to think outside the box, but we continue to be smart about where we travel to and how we travel.

By planning ahead and asking yourself these simple questions, you can become a frequent traveller:

1. What do you want?

Ultimately, what you do with your money, your time and your life is your choice. No-one else can make that decision for you. And, travelling isn’t the first choice for a lot of people.

It still surprises me how often people tell me that we lead such an amazing life and they want to do the same… and then they don’t.

Some people have genuine reasons why they can’t travel on a frequent basis. But others seem to constantly use the same old excuses: “I have job”, “I have a house”, “I have debt”, “I don’t have time”, and “I’m waiting for a promotion”.

It might take time to pay off your debt or rent out your house, but if you want to travel, you can change your circumstances.

And, want to know a secret? I’ve been promoted faster than some colleagues and friends by being open about my goals with my manager or leaving a job that I loved for the unknown. If you are a hard worker and a company truly values you, they will work out a way to keep you.

2. How much time can you take off work and how do you want to spend that time?

Different countries and companies around the world have different annual leave allowances. But sometimes you can also ask for leave without pay.

We plan about 12 months ahead to figure out how we can make the most of our annual leave and public holidays (bank holidays) throughout the year. We prioritise what is at the top of our list of things to do and see in that year, and how much time and money we will need. We also schedule when we have to purchase festival tickets, flights and accommodation, which helps with budgeting.

It’s hard to juggle your time off between family, friends and travel. Make a conscious decision and stick to it.

Alternatively, invite your family or friends away with you! We travel with family and friends all the time (too much?) and we love it!

3. How much money can you save, and what portion of that will be for travel? 

Keep track of your money and be honest about your expenses. Is there a small portion of your income that you can set aside each month for holidays? Can you sacrifice something (your morning cup of coffee, cigarettes, magazine subscriptions, weekly spray tan) to redirect that money to travel expenses?

We have a “family budget” spreadsheet. It tracks all of our income and all of our expenses including rent, bills, public transport, groceries and small things like gym membership and nights out. It also means that we can track what we are saving for travel and what we are saving for other things. Though, if I’m honest, we don’t have much savings for other things.

We are slowly saving for our first home and it will take us years, but we know this will take longer because of our current lifestyle. It is a conscious decision and one we are currently very happy with.

If you have substantial expenses, such as small humans and big mortgages, you might think you can’t travel – but you can!

If international travel is our of the question, travel in your own “backyard”. Have a “satycation” in your own city, find a camping place that is a short drive away to spend some time outside of the city with the family, or find someone (mum? dad?) who can look after your dog or rug-rats for a few days while you escape. There are options if you look and ask!

In June we literally holidayed in our back garden.


4. How can you stretch your budget? What are you willing to sacrifice?

We are budget travellers, but this isn’t because we can’t afford nice things. Sometimes we will stay in a 4 or 5 star hotel, have a fancy night out, or a catch a taxi to the airport. But more often than not, we forgo the nicer things for two reasons:

  1. to have a more authentic local experience
  2. so we can travel for longer

Recently we met up with friends in the Balkans (a relatively cheap place to travel). Because most people in our group were on very strict budgets, we decided to share the car expenses and camp in tents or stay in hostels rather than hotels. Daniel and I paid £150.80 for our first nine nights of accommodation. Because we had saved so much money on accommodation, we splurged on our last night and paid £146.59 for one night of beautiful accommodation in the Old Town of Dubrovnik.

There are other options:


5. Start small with these helpful ideas: 

Start by saving £1,000/$2,000 per year to put towards two weeks of international travel. Then, each year, find a destination or holiday that you want to take that is within your budget.

Rent out your room or house on Airbnb while you are away. This will provide you with a little income to cover rent or a mortgage.

Ask your boss if you can take a sabbatical. It will surprise you how common this is and how open to the idea a company can be. People take time off work for all kinds of reasons – and travel is one of them!

Work remotely. If you are in a job that allows you to work remotely, why can’t you work from a cafe in Berlin, or a beach in Guatemala? Or, work from home on a Friday to get to the airport earlier for a quick weekend break? Or offer to work from another office location for a few weeks?

Create a job where you can work remotely (or become a freelancer) – can you design a web page, get paid for writing, or sell goods online?

Or move overseas, like we did! Depending on your nationality (and passport status), you can apply for a working visa and find a job in plenty of countries around the world. Find out more from your local government agency.

Where there’s a will, there’s a way.

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  • avatar
    23/12/2015 at 3:51 pm

    Great article; thanks for sharing. I totally agree- where there’s a will, there’s a way and budgeting is definitely one of the most important aspects of long term travel.

    • avatar
      Jacqui Moroney
      23/12/2015 at 3:59 pm

      Thanks, Sophie 🙂
      I checkout out your site, solosohie.com, and I love it! Keep up the great posts 🙂

  • avatar
    07/03/2016 at 4:45 pm

    Love it Jaquie! Beautifully written and so so true,in fact just what i think all the time look forward to seeing your next fab adventures 🙂 Cannot wait to be back over in the UK for a holiday in Dec x

    • avatar
      Jacqui Moore-Moroney
      07/03/2016 at 4:49 pm

      Thanks, Jemma! See you in December!

  • avatar
    07/03/2016 at 7:20 pm

    Love this – well done for making the move to London and for sticking with it! It must have been hard work. Your honesty is refreshing!

    Charlotte x

    • avatar
      Jacqui Moore-Moroney
      07/03/2016 at 7:47 pm

      Thanks Charlotte! I love apeaceoflondon! Great blog!

  • avatar
    Erika Bisbocci
    20/08/2016 at 12:37 am

    This is a great and comprehensive post for all of those people who have millions of excuses for why they don’t travel (kids, mortgages etc). It is obvious that travel is a priority for you and that you are willing to sacrifice some things in order to cover travel expenses. In the end, it is all about the choices we make and how we choose to budget our money!

    • avatar
      Jacqui Moore-Moroney
      20/08/2016 at 11:21 pm

      Thanks, Erika. I agree, in the end it is all about making the right choice for yourself and budgeting for that, no matter what it is. And, choices change over time. I think travel will always be somewhat of a priority for us.

  • avatar
    20/08/2016 at 8:06 am

    Loved the photo of you guys on your staycation in your back garden! That paddling pool looked epic! A great posts with lots of useful ideas and tips to inspire people to incorporate more travel into their lives!

    • avatar
      Jacqui Moore-Moroney
      20/08/2016 at 11:19 pm

      Haha, thanks Megan. Our paddling pool sadly did not get enough use this summer – but it’s a goreat thing to have just in case 🙂

  • avatar
    Alice - Kiwi in Korea
    20/08/2016 at 9:15 am

    Great article! This is the kind of travel I aspire to – holding down a decent day job plus freelancing, and using holiday time to travel, and ideally one day phasing out the day job and just being a full-time freelancer. Of course I need the day job first :p

    • avatar
      Jacqui Moore-Moroney
      20/08/2016 at 11:17 pm

      Haha, yes, finding a day job is a job in itself! And, it’s hard to find the right one that will give you a good enough work-life balance so that you can travel more. Good luck with it all! Xx

  • avatar
    20/08/2016 at 10:06 pm

    I absolutely loved this. It’s similar for me and my partner who are super travel obsessed although we are super frugal. Although exploring Europe has been a priority since we moved to Amsterdam, I’m moving more towards less expensive destinations in Asia and Eastern Europe where we can do so much more. I’ve used selling my clothes and services as a half-decent seamstress (a hobby) as a way to get extra cash and I’ve also taught myself to do things that most people pay for (like cutting hair). Traveling is worth it!

    • avatar
      Jacqui Moore-Moroney
      20/08/2016 at 11:15 pm

      I agree, travelling is worth it! (Though my hair cutting skills could be better, hehe). I’ve always thought Amsterdam could be our next home… how do you like it?

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