Here’s How I Travel on a Budget (And Spend Only 5% of my Income Doing It)

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Part of living your best life is figuring out how to spend your money so that it closely aligns with your values. For me, it's indulging in travel.  Traveling is only a luxury I've been able to afford recently (think age 29/30), I've been dedicating a portion of my budget to it ever since. I can't afford all of my wildest travel dreams, but I am able travel a bit – both abroad and locally – on an average of 5% of my income.

Here’s How Much I Spent on Travel in the Last Four Years



  • 2014 – $ 3,365.95
  • Annual Income $64,469.00 
  • Percentage of Income (5.21%)
  • Traveled to: Montreal (Bachelorette), San Francisco, The Finger Lakes (Wedding), New Orleans, Washington D.C., Portland, Seattle



  • 2015 – $ 2,889.00
  • Annual Income $46,794.00 
  • Percentage of Income (6.17%)
  • Traveled to: Austin, Las Vegas, Washington D.C., Charlotte, San Antonio, New York City (for two weeks!)



  • 2016 – $ 2,039.00
  • Annual Income $60,621.83
  • Percentage of Income (3.3%)
  • Traveled To: Rome and Florence, Boston, New York City, New Orleans (Bachelorette, again)



  • 2017 – $4,386
  • Annual Income $101,388.00 
  • Percentage of Income (4.32%)
  • Traveled To:  Cancun, Mexico, Miami, Florida, Savannah, Sedona, Dallas, Florida, Barcelona, Madrid, Segovia, and Montserrat



You can see that as my income increases, so does my travel spending, but each year I aim to spend no more than 5% of my take-home income on travel.  But you’ll notice I make a fair number of smaller, weekend trips within this budget and I wanted to detail how I make it work and manage to travel on a budget. 5% is an arbitrary number, but it works well with my spending and savings goals.

Also, as a note: My 5% number is higher than the national average, but I am an unmarried, childless person with a stable income and a side hustle, and I also have a house and zero monthly debt payments. 


How to Travel on a Budget (Without Feeling Poor)


Pay Attention to Flight Deals


It's so simple….only buy flights when there is a deal. I use Unroll.Me to filter “promotional” emails out of my Inbox, but I marked it so the ones for flights always land in my actual inbox. Now since I'm trying to do a bit more “travel hacking” and stack my miles I book everything through Delta or Southwest, but in the past, I've used Expedia, Orbitz, and Travelocity to find dirt cheap flights. 

Even when shopping the discount sites, I try to consolidate with two airlines: Delta & Southwest. I do this for a number of reasons – because they’re cheap, the rewards program for each is decent and consistent, and I like the companies in general and their business model. (Plus Delta is based here in #ATL!)

Because I travel so much in the U.S., even before I got super aggressive with stacking miles I was able to get one flight, maybe two for free each year based on these rewards. Granted, it wasn't to an exotic or European locale, but when all your friends live in different major cities, it's nice to be able to grab a free flight to visit when the mood strikes.

This is how I was able to make our annual friend group trip to Miami in 2017 even though I hadn't really “planned” (or budgeted) to go.


Always (Over) Share a Room


The older I get, the less sexy this option becomes, but in order to save money I always squish in with a roommate (or in the case of the Austin trip of 2015….six.) Seriously, whenever my friends and I travel we cram into rooms like we’re college Freshman on Spring Break. (We're over 30 now, btw)


Sure, we could afford to get our own rooms, but we prefer to spend that money on what we really value and enjoy, like fancy dinners or shows.

Now that I’m older and (for whatever reason) I’m a lighter sleeper than I’ve ever been – sometimes I think it would be “worth it” to splurge on a room of my own. But then I  compare “separate room” vs. checking another city off my list and I think better of it.


We also do a lot of research on best prices for places to stay, whether it's an Airbnb or splitting a hotel room we find on Expedia.


Book At the Last Second 


I’m a planner. I love to plan. I love to have my ducks in a row, and it feels great to do this…. especially when you’re traveling.  

BUT if you can afford to feel irritatingly footloose and fancy-free for a day, you can score great last minute deals on nice hotels via apps. I adore the Hotels Tonight app (use code LABOWLING for $25 off!) and (again) Expedia for the last minute deals.

Especially when I do my annual pilgrimage to New York City (it's one of my favorite places to travel and since I used to live there, I always find excuses to go and catch up with old friends) last minute hotel stays are discounted enough to make staying in the city wallet friendly.

Even when booking flights, it can pay to wait until (almost) the last minute. There's lots of research out there that suggests the ideal time to buy a flight is three weeks before your departure (although this piece stacks up data and finds the 50-75 day window is best.)


Airline Rewards Cards



If, and only if you're looking for a new card, consider one that offers miles or travel incentives instead of cashback.




Want a complete list of the best travel/airline miles cards? Here is a complete list of airline cards with varying incentives.


How I Save Up to Travel




Mostly, I save up to travel by taking advantage of automated savings apps. If you struggle with consistently saving money each month and want to “find' the money to travel, I highly recommend this method.


There are many different ones out there, but Qapital is my favorite and the one I recommend throughout the site. It works by sneaking small amounts from your checking account away. Whenever I get a last minute opportunity to travel, it's nice to log in and see a “stash” hidden away so I can make the trip a reality.


I've relied on Qapital to make last minute trips happen without debt, most recently on our trip to Barcelona as food and pocket money while we were abroad.


Get Creative: Influencing, Bartering and “Piggybacking” Trips


I must’ve picked this tendency up from my Dad, because most of the trips in my childhood coincided with his optometry conference schedule. We've all “piggybacked” personal leisure on top of work trips and it makes financial sense, but by making vacations as part of another business-related event my dad (and now, me) are able to:

a) write off the expense on my taxes and

b) get a great vacation at a lower price become some (or all) of the work-related travel is covered. 

I'm also an influencer, so many times I'm lucky enough to travel as part of a campaign (like the ultra-luxurious stay in Los Angeles as part of the Uber Visa campaign,) or when I know I'm headed someplace for work, I'll try to score a free hotel stay in exchange for a review or posts on social media.

Even if you're not a blogger, if you have a sizeable following on social it could be worth a shot to reach out to the brand via email or social. My metrics are not big and I've still been surprised by the responses I've gotten about free travel! (Like an entire stay with Palace Resorts for my 30th. It was an amazing experience!)

When I'm out of influencer options (I also get turned down a fair amount), I barter.

For our upcoming family trip to Hawaii, I offered to help my Dad with his website and promotion of his first novel in exchange for airfare and a stay. I've also done chores/dinners in exchange for extended stays for friends (or when I wanted a plane ticket to move to New York City, I cleaned and organized my parent's entire garage in exchange for the ticket from my Mom.)

But What About Travel Hacking?


Travel Hacking is the Art of Using Credit Card Rewards to Earn Free Travel

Full disclosure – I am still largely a novice, and only recently (think – September 2016) signed up for a business credit card with rewards that can be used for miles. (I got the Chase Ink at the time they were offering a 50k “points” sign up bonus.) This card is used for all of my business expenditures and with my spending + the 50k bonus points I was able to largely cover my airfare for my trip to Italy. I also recently covered my airfare to Miami for a last-minute trip with my college buds! Free travel, FTW!

There's still a lot to learn, memorize, and keep up with if you want to “hack” for free travel. Fortunately for me, I'm plugged into the FinCon network, which features a group of super smart financial whizzes who are far, far, more experienced and knowledgeable than me on this subject.

I bring you the best posts from these experts below.

Best-In-Class Resources for Those Who Want to Start Travel Hacking

Getting Started

The Complete Beginner Guide to Travel Hacking – By Eric Rosenberg of Personal Profitability. Eric educates on the best cards and programs, the best free tools to use to track everything, and how to protect your credit while travel hacking.

How to Travel for Free with Travel Rewards Cards – By Holly Johnson. Oh, you haven't heard of Holly Johnson? You may have seen her course, Earn More Writing, in some of my articles, followed her mega-popular blog, Club Thrifty, or seen her writing on a number of big-name sites. She's also a big deal travel writer and frequently “hacks” her way to free travel. The post linked above highlights some of the higher level strategies for those who want an overview and quick tutorial on how to get started.

How Your Good Credit Can Help You Travel for Free – By The Frugal Travel Guy. I like how in the nav there's a “Rookie Guide” for beginners. Click on it, and you'll find a TREASURE TROVE of articles that teach you how to put together a basic beginners travel hacking strategy.

Beginner's Guide to Points and Travel Hacking – By Johnny Jet. Offers a lot of other considerations for when you start travel hacking like how much time to invest and which shopping portals to use.

How to “Level Up” Your Travel Hacking Game

Any Article by The Points Guy – Chances are if you've done the bare minimum of research on how to get free travel, you've run across The Points Guy. This is a simple, easy-to-read site that lets you know about all things points and how you can maximize your programs for more travel. Definitely, a blog to bookmark when starting out!

The Rockstar Finance Directory of Travel Hacking Coaches – Didn't know there was such a thing as a Travel Hacking Coach? Well, there is. (If I can blog coach, people can definitely coach you on how to travel hack.) If you feel better about signing up for multiple cards with someone to hold your hand through the process (and you know, make sure you're not completely screwing it up…) I recommend getting a coach. Many will do it for free!


In short: If there's a will, there's a way…. so get creative with finding ways to travel on the cheap.

Really, when it comes to budget travel and trying to make my dollars go further, I try to abide by just one incredibly simple rule – “Never pay full price” – for any of it. And use my prepared travel itineraries so you can start planning ahead and budgeting for your next vacation.


Pre-Made Travel Itineraries to Help You Travel on a Budget


Anytime I travel, I make an itinerary, and then after the trip is over I share it with readers. Because I'm always trying to pack in as much as possible and see the best of the city, I thought readers would find it helpful to have done-for-you itineraries for some popular cities to travel, or at least as a jumping-off point for an itinerary of your own. 



Travel on a Budget: GetYour Guide


My final “travel on a budget” tip involves spending money. But it involves spending it wisely. I do this by booking activities in advance through my favorite travel app, Get Your Guide. Doing it in advance allows me to book the best events, and save money on tickets since I'm not scrambling at the last minute.

GetYourGuide allows users to find, compare, and book sightseeing tours, attractions, excursions, things to do and fun activities from around the world. I've used them countless times when we've gone abroad (we always book tours with GYG during our annual European excursion – see here, here, and here). I've been using GYG for years and have never had a problem with finding our guides or connecting in the event of a delay or anything.

Pro Tip: You can even download the GetYourGuide app so you have your tickets handy to show your guides when it is time for the tours. Click here to explore.

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Here’s How I Travel on a Budget (And Spend Only 5% of my Income Doing It)
  1. really interesting post for who loves traveling!!!

  2. I love travel content that talks about more than just travel hacking. It’s great and all, but to really get a full scope, it’s important to see the various ways someone prioritizes travel and makes it happen. Loved all the different things you mentioned.

    I’ve only done a tiny bit of travel hacking, using an airline credit card sign-up bonuses, putting all my spending on it, racking up miles, then using said miles to buy my one-way ticket to Australia for $28 (versus the $800-1.000 it would have cost). I use round-up savings and also have a dedicated high yield savings account at an online bank for extra push.

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