A quick browse of the blogs I read, pinterest and instagram tells me all the ways I can make money. They range from the glamourous (start a “side hustle”, manifest more money just by thinking about it, positive affirmations) to the downright torturous (make pack lunches for the rest of your life and never enjoy any of the finer things in life like take out or a can of coke from the refrigerator section of the shop or Netflix). I would be lying if I said I don’t fall into the temptation of trying these various things. Sometimes I put on my finest silk robe, light some candles and swan around the house reciting my horoscope and telling my husband we need to manifest 500 Euros. He asks me why I don’t aim a bit higher but I think that we should be reasonable in our requests to the Universe or God. I mean, really. Other times I am scrooge, chronicling every cent and feeling guilty for having 2 pints instead of one or taking a taxi when we could have walked. I get it. Here we are with housing prices becoming nearly unreachable and there is the ever present threat of a robot taking our job. Many people my age are going back to school for a second or third time. The world seems on the brink of calamity and social media makes us feel constantly inferior. If we sort out our finances, it seems, maybe we can have a perfect apartment and travel constantly and in general escape that existential dread (too far? Maybe).
So I wanted to write this because I want to share what my finances are like after 10 years of travelling every year for long periods of time and living abroad. I’m not here to tell you to skip your take away coffee, or to live like your poor, or to just GET YOUR PRIORPTIES STRAIGHT because, pardon my French, I think that’s all horseshit. You won’t get rich by skipping your coffee and travel isn’t a priority for everyone. Furthermore telling people to punish themselves for not being rich by not ever having any small luxuries is cruel and judgmental. I’m not here to tell you how you can travel Europe for 7 years with $500 because a.) how? and b.) this sounds terrible to me.I used to feel frustrated when people would tell me I was lucky to travel because it didn’t seem like luck to me, I worked hard to get everything I have. But in another sense I am lucky, lucky to have a stable financial background, to have been able to live at home and find good jobs and to have been born when and where I was. So the goal of this isn’t to tell anyone to save for travel or how to do it. I find that finances and travel aren’t often talked about in a honest way and I wanted to do that.
First of all the negatives. I have debt and have been working hard to get it paid off, it’s not easy. Second of all, because I wanted to travel I did a lot of my degree online so I could work more and while I don’t say I regret it there are certain aspects I now see the negatives too. Had I done my degree in a class room I could have met other people in my field, made friends, networked and probably seen a more clear career path. I have borrowed money from my parents (which I paid back years ago). I have lived in some not great places and eaten a lot of rice and beans (the metaphorical rice and beans). I once stayed in a fifty person dorm.
When it comes to saving money, I worked in restaurants and always made good tips which I saved. I made a chart and tracked everything I spent and made. I bought conditioner in Dollarama (oh, how I miss you Dollarama. Not the conditioner, that was rubbish and I only did that once) and have always used mainly drugstore make up. I lived at home for little or no rent, got a lift or a taxi to work ( I don’t drive so a car would be a bit of a strange investment). I picked up every shift I could and went to work even when I was sick. Ultimately, for me travel was the thing I wanted most so I worked to get it. There’s no secret to saving money for travel, except for just doing it and for the average person that means giving up other things. That’s it. It’s also important to remember that not every can afford to, or even wants to travel and we should stop telling them “but I travelled all of Norway with 25 cents!”. Let’s just stop that nonsense. I would also like to add that I travelled for 1-5 months at a time, not including the nearly two years in Spain and two here in Ireland. Yes, that’s a long time to travel and I enjoyed it, I’m not going to dispute that! But it also means that for 11 to 7 months I was at home working and that’s a long time to not have new clothes or a seasonal beverage, still those are things that can be done without. What shouldn’t be done without is nights out with friends, after work drinks and functions with family and friends. Whether you’re at home or abroad human connection requires money and time and those things shouldn’t be sacrificed for a trip.
Lastly, this year I turned the much maligned thirty. And when you turn thirty, at least for me, things start happening to you. By things I mean that I now prefer designer make up, and the thought of staying in a hostel makes me want to run screaming in the other direction. I spend more money on things for my house. I want to eat good food and when I travel I want to eat the local food not hide out in the hostel eating the free dinners. I am not at all criticising those things, I had a good time doing them all through my twenties but priorities change and that’s okay. That is to say, I better up my manifestation goals. Maybe 550 euro?
For many Christmas pictures and pictures of our trip to Prague check on my Instagram @stephanierosetravels