10 budgeting mistakes even smart travelers make

by Jessica Festa on

When traveling, it’s easy to go overboard and spend more money than you expected. What’s important is that you spend your extra cash having fun experiences instead of on mistakes that could have been prevented with some planning. Read these 10 common money mistakes often made by travelers to help save money on your next trip.

Mistake #1: Overpacking

This is a mistake that can rack up travel costs for many reasons. First of all, depending on what airline you are flying with, you may be charged a fee for each bag you bring. Not only that, but travelers must pay not only based on how many bags they bring, but also on how much they weigh. Once you are off the plane and at your accommodation, if you have brought more luggage than you can carry yourself you will have to consider porter and bellhop costs. Just do yourself a favor and only bring items you can see yourself using and wearing multiple times.Mistake #2: Not knowing the exchange rate

If you’re looking to save money, it’s a good idea to do a little research and figure out what destinations will give you the most mileage for your dollar. For example, many regions in Canada, Australia, and Western Europe have strong currencies, meaning you may end up losing money in the exchange. However, if you plan a trip to, say, Hanoi, Vietnam, or Prague in the Czech Republic, you can end up saving a lot of cash.

When traveling, you should also pay attention to what currency exchange offices offer the best rates. For instance, airport currency exchanges are usually not the best places to change your money.

Mistake #3: Forgetting to check the weather of your destination

Last June I went to Paris, France, traveling under the assumption that France is always hot (on television the French always seem to be sipping wine in sunny vineyards and relaxing in little clothing in quaint little cafes). If I had checked the weather beforehand, I would have known that shorts and sleeveless shirts were not practical for when I was going, and I wouldn’t have had to buy new clothing, a jacket, and an umbrella that I ended up leaving behind anyway.

The moral of the story? Check the weather of your destination before you leave so you can pack appropriately and save yourself from having to buy a whole new wardrobe.

Mistake #4: Not knowing international phone rates

If you really don’t need your phone, leave it home, as you can save a lot of added costs. There are many other ways to stay in touch with people at home, such as e-mail or web chat (find areas with free Wi-Fi or see if your hotel provides it). If you must have your phone, invest in an international calling plan. While every phone company offers a different plan, I have always found that services such as Skype and PennyTalk offer the best deals. Another low-cost option is to purchase a local SIM card in the country you are visiting.

Mistake #5: Traveling like everyone else

Not only is traveling during high-peak season more crowded and chaotic, it’s more expensive. If there’s an activity you love, try an off-the-beaten path destination to do it instead of following the crowd. Instead of going away in the summer, find a destination that offers your ideal weather in the spring. This can not only save you money, but can also introduce you to new, unexplored destinations.

Mistake #6: Not knowing the tipping etiquette

Tipping etiquette differs from country to country, so don’t just assume that just because in your home town you leave 20% gratuity when going out to eat you must do that everywhere. For example, an article on MSNBC.com says that tipping in Fiji is discouraged, while a server in Mexico will expect a 10%-15% tip. Know the customs before you go to avoid throwing away money unnecessarily.

Mistake #7: Not purchasing travel insurance

While travel insurance isn’t free, it can also end up saving you a ton of money if an emergency does occur. Hospital bills, cancelled flights, and natural disasters aren’t cheap and you can get very affordable travel insurance plans at Access America and World Nomads. Also, if you have health insurance or a travel credit card at home, call their customer service numbers to ask what you are already covered for abroad.

Mistake #8: Not knowing your transportation options

While taxis may be the most convenient way to get around a place, they are often the most expensive. Using public transportation options such as trains, buses, tro-tros, tuk tuks, and metros can save travelers literally hundreds of dollars. If you are unsure of how to get to a place ask your accommodation to help you plan the cheapest route. Also, before even stepping on the plane to go abroad, contact your hotel and ask them what the most cost-efficient method to reach the hotel from the airport is, what stop to get off at, and specific walking directions.

Mistake #9: Not taking advantage of frequent flier programs

If you travel regularly, it pays to either signup for a frequent flier program or apply for a credit card that will give you miles. Having loyalty to specific airlines may be difficult for some people to commit to, however, it can lead to free flights and discounted travel.

Mistake #10: Always being a tourist

This is an easy mistake to make, as when people are in a place for the first time they usually end up being drawn to all the flashy signs and salespeople offering experiences at must-see attractions. While you should see the big sights, there are often free museums, open air entertainment, and complimentary attractions in every place you visit. This goes for restaurants, too. While the big, sparkling venue with the extensive (and pricey!) menu in English may look good, wouldn’t it be nice to have an authentic (and budget-friendly) dining experience at a smaller, local eatery? Street-food is also a money-saving option, as well as grocery stores (bonus if you’re accommodation has a kitchen or serves free breakfast). Also, ask your hotel when museums, restaurants, and attractions offer discounts and promotions, such as free entry on Monday nights at an art gallery or complimentary tapas at a Spanish restaurant with a drink purchase.

10 free things to do in New York

by Jessica Festa on

While New York can be an expensive place to live and visit, not everything costs an arm and a leg. In fact, some things in the city are completely free. Check out these classes, shows, parks, museums, and more at no charge.

Visit Central Park
Park borders include W. 110th, W.59th, Eighth Ave., and Fifth Ave.

Central Park is like a city of its own, with 843 acres of gardens, restaurants, lakes, rides, entertainment, sports, fishing, games, and more. Play on the adventure playground, take photos of the Alice in Wonderland sculpture, relax in the Arthur Ross Pinetum, visit Belvedere Castle, and more. Want someone to show you around? The Central Park Conservancy offers free guided tours.Ride the Staten Island Ferry
Battery Park runs from Battery Pl. to South St.

This commuter ferry runs from Battery Park to Staten Island and is completely free. Not only will you get a complimentary boat ride along the New York Harbor, you’ll also have the chance to see some big-name sites, such as the Statue of Liberty and Ellis Island, as well as photo-worthy city skyline views.

Experience contemporary art at the Swiss Institute
18 Wooster St., between Canal St. and Grand St.

While most of the museums and art galleries in New York have discounted and free days, the Swiss Institute of Contemporary Art is always free. While the original mission of the institute was to showcase Swiss art and artists for a predominantly Swiss audience, it has now become an “innovative international venue for art that provides a significant forum for cultural dialogue between Switzerland, Europe, and the United States”.

Also worth mentioning is that some of the best museums and art galleries in the city have a “suggested donation” as the admission, meaning you can pay what you can afford. Some of these include the American Museum of Natural History and the Metropolitan Museum of Art.

Explore the New York Public Library
5th and 42nd St. in Midtown

If you’re thinking there is nothing worthwhile to see at a library, then you have never been to the New York Public Library. In addition to its extensive collections, ranging from Accents and Dialects to Women’s Studies to Immigration and beyond, the library also features music, movies, classes, and museum exhibits.

Visit St. Patrick’s Cathedral
Fifth Ave., between 50th and 51st

According to Heather Cross from About.com, St. Patrick’s Cathedral first opened to the public in May of 1879. With the capacity to seat 2,200 people, it is the largest Gothic-style Cathedral in the United States. There are many opportunities to attend mass, as they are held at multiple times every day of the week.

Attend a live jazz performance at Rue B
188 Avenue B., East Village

Seven nights a week at 9PM, you can head over to Rue B for live jazz music. While the performers rotate, Thursday nights they feature their own in-house musician, Henry, a cabaret singing piano player who will perform standards, classics, and even pop covers.

Take pétanque lessons in Bryant Park
Between 40th and 42nd and 5th and 6th

For those who don’t know what pétanque is, it’s a French ball game that involves throwing metal balls as close as possible to the “cochonnet” (a smaller wooden ball). Most games are played in teams, and the New York City pétanque club, La Boule New Yorkaise, will teach you the tips and tricks you need to know to be successful at the game. Stop by Bryant Park Monday-Friday from 11AM-6PM for your free lesson.

Eat free food at The Mark Bar
1025 Manhattan Ave. at Green St., Greenpoint, Brooklyn

Dining doesn’t have to be expensive in New York anymore. Everyday from 6PM on enjoy free pizza at this laid back bar. On Sundays, The Mark Bar also offers free bagels and coffee, perfect for nursing a New York style hangover.

Tour the Chelsea Brewing Company
Chelsea Piers, Pier 59, W 19th St. at the Hudson River

Every Saturday, from 2PM-6PM, Manhattan’s only active brewery gives free tours. Not only that, but at the end of the tour visitors will get a free beer sample and will have the chance to ask questions to brew experts.

Learn the art of theater
254 W. 29th St., between 7th and 8th

A few times a month, the Magnet Theater hosts a free workshop lead by trained instructors called Intro to Improv. No experience is necessary and all are welcome to participate. Would you rather watch a show than actually perform in one? The Magnet Theater offers tickets from $5-$10, which many times will include multiple shows.

New online class teaches travelers how to make money on the road

by Jessica Festa on

On Wednesday, October 12, 2011, at 9PM EST (6PM PST), Unconventional Guides will host an online class on working from the road and how to make a living while traveling. The class promises that “if you are determined and committed, you can make this happen”.

The class will cover the following topics:

  • The truth about passive income
  • A 5-step plan that will allow you to make money on the road
  • Providing a service vs. creating a product
  • Different forms of work and various travel styles
  • How to handle taxes, mail, and health insurance
  • Non-profit and for-profit business creation
  • Volunteering abroad
  • Freelancing
  • Answers to more than 40 frequently asked questions

The class is only open to a limited number of students, so if you’re interested, click here to sign up.

Asian-inspired night market comes to Brooklyn, New York

by Jessica Festa on

On Sunday, October 9, 2011, from 5PM to midnight, the Brooklyn Night Bazaar will be held at Dekalb Market in Brooklyn, New York. The event, which is inspired by the night markets across Asia, will feature more than 65 independent vendors, food, music, art, and a beer and wine garden, all outdoors. While the event is free, there will be a ticket charge of $12-$15 to enter the performance area. Tickets can be purchased here.

Some things to expect:

Dekalb Market is located at 138 Willoughby St., at the intersection of Flatbush Avenue Extension and Willoughby in Brooklyn, New York.

10 important phrases to know before going to Ghana, Africa

by Jessica Festa on

Learning a foreign language can be difficult. And, for people traveling to Ghana for only a short amount of time, trying to become fluent in Twi, the principal native language of the country, may be a bit farfetched. However, learning some important phrases before you go can help prepare you for a more comfortable experience.

Eti sen?
How are you?

In Ghana, the people are extremely friendly, and everyone, even complete strangers, are going to ask you this. Greetings are very important in Ghana, and if you don’t want to be seen as impolite then be sure to learn this phrase and use it as much as possible.Eh ya.
I’m fine.

When someone asks you how you’re doing, this should always be your response, even if you’re having a terrible day. If Ghana, people don’t share these troubles in response to someone greeting them, so no matter how you are really feeling, just say you’re fine.

Ye fro wo sen.
What is your name?

When you meet new people, make sure to ask them their name, even if just to be polite. It is more than likely that you will also be asked what your name is many times throughout your stay in Ghana, so knowing this expression ahead of time can be helpful.

Maa chi/Maa ha/Maa jo.
Good morning/Good afternoon/Good evening.

Politeness goes a long way, and when locals see that you’re making an effort to learn their language and greet them, they’ll respect you more and not look at you as a lost and confused foreigner. It’ll also help you immerse yourself in the culture that much more.

Oburoni.
Foreigner.

This is an expression you will hear a lot. And, when I say a lot, I mean at least 20 to 100 times each day. While it may sound offensive, as in many Western cultures shouting “foreigner!” at someone is taken rudely, in Ghana they mean it in a friendly manner as a way to say hello and try to get to know you. Even if you don’t want to respond to the shouts of the locals, it is nice to know what exactly it is they are yelling at you.

Wo bay jay sen?
What is the fare?

As a visitor to the country, you most likely aren’t going to have a car (and once you see the crazy drivers, traffic congestion, and pothole filled roads in Ghana, you won’t want one). Therefore, taxis and tro-tros (kind of like a packed out mini-van) are going to be your transportation options. If you are traveling locally by tro-tro, you can almost bet that the fare will be under 1 Ghana Cedi. However, if you are taking a taxi it can be helpful to know how to ask how much the trip will cost.

Te so.
Reduce it.

On that some note, as an “oburoni” you will undoubtedly be charged the foreigner price, sometimes as much as four times what the locals pay. Don’t feel bad about bartering the price down. And, once the taxi drivers hear you speaking the local language, they will be more likely to give you a fair price.

Wa ye sen?
This is how much?

Just like with taxi fare, be prepared for hawkers and market salespeople to charge you a higher price than the locals. When shopping in the markets or buying food and other items on the street, politely ask how much something is. Then, go back to the prior phrase of “Te so”, and ask them to reduce it.

Koo se.
Sorry.

As a foreigner, it is inevitable that you will make mistakes along the way. If you find you have made a cultural faux pas, just be polite and apologize.

Me daa si.
Thank you.

The people of Ghana are very friendly and will often help you figure out your way around the area and local customs. Whether someone points you in the direction of the nearest public toilet, serves you a delicious meal, shows you the local beaches, or takes you on a guided tour of one of the historical castles, show gratitude and thank them.