How to create a realistic travel budget with Mint.com’s planning tool

A new year often means lofty resolutions, especially when it comes to planning and maintaining a travel budget.

Though there are many personal-finance sites and software out there, this year I’m resolving to use Mint.com‘s free online tool. You can create plans for saving toward retirement and buying a house, but I’ll be primarily using the site for its Travel Goals, which help you set — and stick to — realistic travel budgets.

And though the tool obviously doesn’t do the hardest part (you still have to save the money), it does track how far or close you are to achieving your Travel Goal.

For example, say you want to go to Hawaii for a week this summer. Once you create a budget by filling in the estimates for airfare, hotel, meals, and other expenses, you can then specify how much you will contribute to that Travel Goal each month.

If you underestimate how much you’d need to save per month, the online tool points out: “Oh no! You aren’t saving enough each month to reach your goal on time.” The tool then offers you two ways to fix your Travel Goal: increase your monthly contribution in order to reach your desired travel date or postpone your planned date to fit your monthly contribution.

If you stay on track with saving the specified amount each month, Mint.com’s budgeting tool highlights (and adjusts) the projected date of when you can afford to take the trip. Save more, and you could afford to take your trip a month or two earlier.

But if you slack on your monthly savings, the date will be pushed back — a reality check and an instant motivator. Once you mentally equate an unnecessary clothing purchase or an impulse buy to the consequence of delaying your trip by a month, saving becomes a little more real.

Granted, most people will buy plane tickets and reserve hotels with a credit card several months before actually taking the trip; the tool helps track if you’ll be able to easily pay it all off after your trip. After all, nothing ruins a vacation more than coming home to bills that you’re not financially prepared to handle.

To fund my travels this year, I’ve linked my Mint.com account to an ING Savings Account labeled Travel Fund.

How do you stay on track with saving up for a vacation?

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Weekending: Varna, Bulgaria


Back in September, the end of the Muslim month of Ramadan offered locals and expats like me an excuse to go on holiday while our American friends were celebrating the end of summer and Labor Day. With more time to explore than a typical Weekending trip, I checked out Turkey’s most western neighbor, Bulgaria, and fell in love with modern and medieval captials Sofia and Veliko Tarnovo.

The place: Varna, Bulgaria

Varna is known as the summertime capital of Bulgaria, a Black Sea beach town that’s a destination unto itself with several notable museums, an active cultural scene, and the gateway to the coastal resort towns.

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  • Unlike many of the purpose-built, touristy resort towns that litter the coast, Varna manages to maintain a nice balance of beach town and actual city. Pedestrian streets Knyaz Boris and Slivnitsa are great for window shopping and people watching day and night, and Varna has a handful of quirky and interesting museums to visit. The Archaeology Museum is one of the country’s best, and my visit to the creepily-cool Medical History museum (with nice Bulgarian lady following me around turning lights on and off as in VT) was one of my favorite travel experiences. Strolling the Sea Garden is a pleasant way to spend an afternoon, though the zoo is maybe the grimmest I’ve seen yet (I could have easily stuck my head into the lion’s cage with no interferrence) but with admission under $1, it’s hard to complain.
  • The variety of daytime diversions extends to nightlife too, with everything from sceney beach clubs to seedy casinos to dive bars. Indian Bar has an eclectic decor of Native American art and Italian soccer banners which manages to be more charming that offensive, while Saloon Bar is just the kind of place I’d love in my neighborhood: cheap drinks, good music, and a bartender that remembers you after one drink. Varna is also the birthplace to Happy Bar & Grill, a chain restaurant all over Bulgaria (and now in Spain too) that resembles a love child of Hooters and T.G.I. Friday’s, in the best sense. Happy has a vaguely nostalgic rock-and-roll Americana theme going on, a menu of Bulgarian food and pizza (they also have some sushi restaurants), and waitresses clad in miniskirts and nude pantyhose. There are several location including a tiki beach bar, and any of them are good spots to take advantage of free wi-fi, decent coffee, and as many ’80s music videos as you can handle. Varna is a bit pricier than other towns in Bulgaria but still a steal by Western standards.

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  • Lovely as Varna may be, the travel season is really limited to summer. While there is plenty to do in cool weather, there is greatly reduced transportation in and around town, many waterfront cafes will close in winter, and you’ll miss out on experiencing the summer scene. The Black Sea has been the hot weather refuge of many Europeans for decades and Varna retains some old-school (and Communist-era) flavor (see the above photo of the thermal pools frequented by the elder residences) while joining the modern world with boutique hotels and sushi restaurants popping up to serve a growing international clientele. If you visit Bulgaria in cold weather, your time would be better spent exploring the old towns and museums in central and western Bulgaria.
  • I’d be remiss in wrapping up a series on Bulgaria without pointing out the obvious obstacle: Cyrillic. Invented in Bulgaria and not Russia, the alphabet is less complicated than you think but takes some adjustment and practice to feel comfortable reading signs and maps. I was fortunate to travel with my Russian-speaking husband who could at least read the alphabet (though Russian and Bulgarian are as dissimilar as English and Spanish) but I got the hang of it quickly enough. Rather than trying to memorize the alphabet in advance, transcribe a few key and familiar words, such as your name, your hotel, and the towns you are visiting so you can begin to recognize the characters. Also, Bulgaria’s quirk is the reverse head nod: they nod horizontally for yes, vertically for no. This feels very foreign the first time you experience it but makes an odd sense after a few days.

Getting there

Most of the international flights to Varna are from Eastern Europe, though the great budget carrier Wizz Air flies from London and Sofia. Bus service is excellent throughout the country (about 7 hours from Sofia) or from Istanbul (10 hours) or Bucharest (7 hours), but train service is slower and less comfortable.

Make it a week

Rent a car or bus hop along the coast if the weather is good, taking note that if a town has a foreign name (like Golden Sands) it’s probably an overbuilt tourist town. You could also combine with other regions of Bulgaria. I fit in Sofia, Veliko Tarnavo, and Varna comfortably in an 8 day Saturday – Sunday trip, traveling between cities by bus and returning to Sofia for my international flight on Wizz Air.

Read about more Weekending trips here.

Cheap Vacation Ideas for New York City

New York can be crazy expensive. $8 for a bottle of beer. $300/night for a hotel room. $400 for dinner at famed Japanese restaurant Masa. As someone who spent most of 2008-09 writing about the Big Apple for Gadling and who’s lived here over 7 years, it’s a sad fact I’ve come to know all too well. But here’s another shocking fact I’ve discovered about my adopted hometown: if you know the right places to eat, where to stay and what to do, New York City budget travel can also be a surprisingly rewarding experience.

Best of all, budget travel in New York doesn’t mean you have to give up on all the good stuff. Still want to eat like a king? Stay in a trendy new hotel? Experience New York’s legendary activities and nightlife? It’s all yours for the taking. It simply requires an adjustment in your approach.

We’ve scoured New York high and low and come up with the following ten budget travel suggestions. Want to learn how to visit New York on the cheap? Keep reading below!Three Tips on Where to Stay
Tracking down reasonably-priced accommodations is arguably the most daunting part of any New York budget travel experience. Visitors who so much as sneeze near popular hotel spots like Times Square can expect to pay upwards of $300/night for lodging. Budget travelers, fear not: if you want to avoid the sky-high prices (and the crowds) check out some of these wallet-friendly options:

  • The Jane (doubles from $99/night)The Jane, a hotel that effortlessly blends old and new inside a beautifully renovated building from 1908, oozes New York cool. Best of all, you’re just steps away from free attractions like the High Line.
  • The Harlem Flophouse (doubles from $125/night) – don’t let the name fool you; this “flophouse” is part of an emerging crop of intriguing Harlem lodgings that are easy on the wallet. Part B&B, part art gallery, guests can immerse themselves in the home’s one-of-a-kind decorations. All rooms have shared bathrooms.
  • The Gershwin Hotel (doubles from $109/night) – you can’t miss The Gershwin hotel from outside. This distinctive hotel is adorned with a one-of-a-kind facade of curvy glass lanterns. The intriguing interior decoration (and the prices) don’t disappoint either. Especially thrifty travelers should check out the Gershwin’s $40/night hostel-style “Bunker.”

Three Tips on Where to Eat
You probably already know New York is one of the best places in the world for eating. Did you also know it’s one of the best for cheap eats too? Thankfully, eating well and eating cheap in New York are not mutually exclusive. Here’s three of our favorites:

  • Xi’an Famous FoodsXi’an Famous Foods, which first found fame on Anthony Bourdain’s No Reservations, recently opened an outlet of its famous Flushing noodle shop in New York’s East Village. Spice-lovers can grab a plate of the shop’s hand-pulled Cumin Lamb Noodles for under $10 bucks.
  • Super Tacos Sobre Ruedas – this unassuming taco truck, parked on Manhattan’s 96th Street, doesn’t look like much. Yet it’s one of an increasing number of under-the-radar New York spots to get outstandingly good (and cheap) Mexican food. Grab a cup of milky Horchata rice milk with cinammon and a couple Carnitas Tacos for just a few bucks.
  • Pies ‘N’ Thighs – think New York is all “fusion” cooking and snooty French cuisine? The down-home Southern cooking at Brooklyn’s Pies ‘N’ Thighs will prove you wrong. Enjoy Fried Chicken, biscuits, and apple pie at (nearly) Southern-level prices.

Three Tips on What to Do
Having fun and free are not opposites in New York. In fact, the city is filled with surprisingly fun activities and freebies for budget travelers looking to save a couple bucks:

  • Free Friday museums – even the city’s most famous cultural centers aren’t always expensive, particularly on “Free Fridays.” Venerable institutions like the Museum of Modern Art (Free Fridays from 4-8pm) and the Whitney Museum of American Art (pay-what-you-wish, Fridays 6-9pm) help art lovers enjoy these great institutions at low or no cost.
  • Wander Grand Central Station – It’s free to enter this gorgeously restored New York landmark. Gaze in awe at the vaulted ceilings in the Main Concourse, stop by the great food court and share a secret with friends in the Whisper Gallery. Here’s a few more Gadling Grand Central tips to help you out.
  • The High Line – New York’s High Line, the city’s newest and greatest park is built atop the ruins of an old elevated railway line. In its place is a beautifully designed park, complete with wild grasses, art exhibits and plenty of great people-watching.

One Wild Card
One of the most intriguing and cheap ways to spend a Saturday or Sunday in New York is at the Brooklyn Flea. This one-of-a-kind swap meet meets artisanal food tasting meets art show is one Brooklyn’s more intriguing weekend activities. Pick up inexpensive jewelry and handcrafted clothing and art from Brooklyn artists while enjoying cheap eats from local food vendors.

Just another surprising example of New York’s refreshing range of cheap accommodations, inexpensive eats and budget-friendly activities.

[Photos courtesy of Flickr users b0r0da, DanDeChiaro and albany_tim]

Q & A with Grantourismo round-the-world slow travel bloggers

With all the holiday travel madness just beginning, sometimes it’s nice to take a breath and think about taking travel more slowly. I recently had a chance to meet up with blogger Lara Dunston and her photographer-writer husband, Terence Carter, of the round-the-world travel project and blog, Grantourismo while they were traveling through Istanbul. Lara and Terence hosted me at their fabulous terraced apartment with glasses of Turkish wine, travel chat, and views of nearby Taksim Square and the nostalgic tram.

Grantourismo is a yearlong grand tour of the globe to explore more enriching and ‘authentic’ (and they get how those words have been debated and abused by travel bloggers!) ways of traveling, which began in Dubai this February and will wrap up in Scotland in January. In order to slow down and immerse themselves in each place, they are staying in vacation rentals (rather than hotels) in one place for two weeks at a time.

Read on for more about their slow travel philosophy, tips about renting a holiday apartment, and how they found Austin’s best tacos.

What’s the essence of Grantourismo?
We’re attempting to get beneath the skin of the places we’re visiting and to inspire other travelers to do the same. We’re doing very little sightseeing and if we’re taking tours, we’re doing small group tours with expert local guides ran by sustainable companies, such as Context. Mostly we’re experiencing places through their food, markets, music, culture, fashion, street art, sport, etc, and doing things that locals do in their own towns rather than things tourists travel to their towns to do. We’re trying and buying local produce and products, and seeking out artisanal practices we can promote. We’re also highlighting ways in which travellers can give something back to the places they’re visiting, from planting trees in Costa Rica to kicking a football with kids in a favela in Rio. And we’re blogging about this every day at Grantourismo!

How did you make it a reality?
Our initial idea was 12 places around the world in 12 months, learning things like the original grand tourists did. Terence, who is a great musician and a terrific cook, wanted to work in a restaurant kitchen and learn a musical instrument while I was going to enroll in language classes and learn something different in each place. But we couldn’t figure out how to fund such a project. We were lucky in that I saw an ad from HomeAway Holiday-Rentals (the UK arm of HomeAway) looking for a travel journalist-photographer team to stay in their vacation rentals and blog about their experiences for a year. I presented Grantourismo to them, they loved it, and here we are! We’re in the 10th month of our yearlong trip, we’ve stayed in 27 properties in 18 countries, and we have a ski town and five cities to go! We’ve written 369 stories on our website – and only 27 of those have been about the properties, the rest have been about everything from winetasting to walking – and we’ve done loads of interviews with locals we’ve met, from musicians and chefs to fashion designers and bookbinders.

What’s the biggest difference about staying in an apartment vs. a hotel?
The biggest difference and best thing is that when you’re staying in a vacation rental you’re generally living in an everyday neighbourhood rather than a tourist area, which means you can meet people other than hotel cleaners and waiters. You can pop downstairs or down the road to a local café or pub that’s full of locals rather than other tourists. You can shop in local markets or supermarkets that are significantly cheaper. Sure if you’re staying in a hotel you can go and look at the markets, but your hotel mini-bar probably won’t hold much, whereas we go with a shopping list or we simply watch what the locals are buying, and we go home and cook.

You can generally get off the beaten track far easier than you can when you stay in a hotel. If you’re relying on the concierge for tips, you’re going to see other hotel guests eating at the restaurant he recommended. Then there’s the beauty of having lots of space, your own kitchen so you don’t have to eat out every meal, and a refrigerator you can fill that doesn’t have sensors going off when you open it. There might be shelves filled with books or a DVD library – in Cape Town we even had a piano, which Terence played every day! The privacy – we got tired of housekeeping ignoring DND signs, people coming to check the outrageously-priced mini-bar, and the phone always ringing with staff asking, when were we checking out, did we want a wake-up call, could they send a porter up. It became so tedious, especially as we were spending around 300 days a year in hotels on average. There are downsides to holiday rentals too of course. If something goes wrong the property owner/manager isn’t always around to fix it, whereas in a hotel, you phone the front desk to let them know the Internet isn’t working and they’ll send someone up.

What should travelers consider when renting a holiday apartment?
Location first. What kind of neighbourhood do you want to live in, how off the beaten track do you want to get, do you want to walk into the centre or are you happy to catch public transport or drive, what kind of facilities are in the area if you’re not hiring a car, and is there a supermarket, shops, restaurants, café, bars in walking distance? After that, the quality of accommodation – in the same way that people decide whether to opt for a budget hotel if they just want somewhere to lay their head, or a five-star if they want creature comforts, they need to think about how much time they intend spending at the property and the level of comfort they want. We stayed in a budget apartment in Manhattan, which was fine as we were out a lot. In Ceret, France and Sardinia, Italy we had big charming houses with terrific kitchens, which was perfect as we stayed in and cooked a lot. If it’s a family reunion or group of friends going away together and they want to enjoy meals in, then it’s important to ask detailed questions about the kitchen and facilities, as we’ve had some places that only had the bare basics, while others like our properties in Austin and Cape Town had dream kitchens.

Favorite destination/apartment?
We’ve been to some amazing places but my favourites have been Tokyo and Austin. We’d only visited Tokyo once before on a stopover, stayed in a cramped hotel and just did the tourist sights. This time we really saw how people lived by staying in an apartment, we discovered different corners of the city we didn’t know existed, and we made new friends. In Austin, it was all about the people, who must be the USA’s friendliest and coolest. We spent a lot of time seeing live music and met lots of musicians, and we also got into the food scene – locals take their food very seriously in Austin! We even hosted a dinner party there with Terence cooking up a multi-course tasting menu for our new friends. In terms of properties, I’m torn between the rustic traditional white trullo set amongst olive groves that we stayed at in Puglia where we had our own pizza oven and bikes to ride in the countryside, the penthouse in the historic centre of Mexico City, and the two houses in Costa Rica, one set in the jungle and the other on the beach, literally within splashing distance of the sea!

Funny story about one of your stays?
The funniest moments weren’t funny at the time but we look back at them and laugh now. At our the Puglia trullo we had terrible internet access. It barely worked in the house because the walls were so thick, yet internet is crucial to what we’re doing so we had to work outside, which wasn’t much fun in the rain. Terence discovered that he could get the best access in the middle of the olive grove next door; you can see him working here! The monkeys that visited us everyday in our houses in Costa Rica were also hilarious. One morning I was enjoying a rare moment reading in the sun when I saw a rare red-backed squirrel monkey run across the fence, and then another leapfrog that one, and then another join them! I quickly got up and raced into the kitchen to make sure there was no food left on the bench, turned around and there was a family of 30-40 monkeys trooping through the house. These guys are endangered, but it didn’t look like it from where I was standing in the kitchen in my bikinis and towel, trying to protect our food as the property manager had warned us that they know how to open the cupboards! The manager also told us to leave the lights on at night, because otherwise the bats will think the house is a cave. She wasn’t kidding.

How is social media playing a role in your travels?
We decided not to use guidebooks this year and rely on advice from locals, many of which we come in contact with through social media. We’ve met many locals via their blogs or Twitter. We use Twitter every day, as a research and networking tool, to make contacts ahead of our visit and get tips from people when we’re there. We’ve had some amazing advice from our followers, from restaurant recommendations to suggestions on things we should do. When we were in Cape Town, loads of tweeps said we had to do the Township Tour offered by Cape Capers and we did and they were right, it was life-changing.

Terence learns how to make the quintessential dish of each place we visit and often asks tweeps what he should make. We’ve had great tips from food bloggers who use Twitter such as Eating Asia and Eat Mexico. We’ve ended up meeting loads of tweeps, including a bunch of New Yorkers – bloggers, writers and travelers – we met for drinks one night, including Gadling’s own Mike Barish and David Farley, while in Austin we had lunch with ‘the Taco Mafia‘ from the Taco Journalism blog and got the lowdown on Austin’s best tacos. We also use Twitter to share our own travel experiences and let people know when we have new stories on the site and we run a monthly travel blogging competition which we promote on Twitter (with very generous prizes donated by HomeAway Holiday Rentals, AFAR, Viator, Context, Trourist, and Our Explorer); the aim of that is to get other travelers to help spread our messages about the kind of traveling we’re doing.

What’s next?
As far as Grantourismo goes, we just left Istanbul (where we were delighted to meet another fascinating Gadling contributor!) and are in Budapest. After this it’s Austria for some fun in the snow, then Krakov for Christmas, Berlin for New Year’s Eve, and our last stop is Edinburgh end of January. After that? We’ve been invited to speak at an international wine tourism conference in Porto, Portugal, about Grantourismo and wine, as we’ve explored places through their wine as much as their food, doing wine courses, wine tastings, wine walks, and wine tours, and really trying to inspire people to drink local rather than imported wine. Then we’re going to write a book about Grantourismo and our year on the road, and later in the year – after we’re rested and energised – we’re going to take Grantourismo into a slightly different direction.

All photos courtesy of Terence Carter.

How to travel overseas with an iPod touch

Rather than face exorbitant cell-phone roaming charges, my travel companion and I recently traveled to Europe with just an iPad and an iPod touch. Though that meant that we could only look up restaurants or things to do when we were in a free Wi-Fi spot, I enjoyed the break from my inbox. And rather than being tethered to Facebook updates, we both paid more attention to the scene at hand — though as soon as we landed at JFK, my travel partner immediately turned on his iPhone to check Facebook.

Over the course of eight nights, I stayed in six hotels that all had free Wi-Fi access. Here’s what I learned about traveling overseas with the fourth-generation iPod touch:

The iPod touch is an affordable way to stay connected while on the road. For the newest 8GB version with FaceTime, the iPod touch starts at $229, compared to the iPad’s $499 starting price tag. Since there is no data plan for the iPod touch, you don’t have to worry about incurring a monthly bill. Also, since both devices are light and compact enough to carry, I didn’t have to fret about leaving a laptop in our luggage, which we left with the hotel’s front desk during the day before moving on to the next one. Though I normally travel with a netbook in order to back up digital photos and clear memory cards, I solved the memory problem by bringing 18GB’s worth of SD cards, which was more than enough even when shooting RAW files.

Sometimes the iPod touch was able to log on faster than the iPad. For whatever reason, we sometimes couldn’t get the iPad to connect right away. Having two devices that could access the Internet also proved invaluable when plotting our next destination. I used the iPod touch to check simple things like the weather, the time (I still don’t wear a watch), and the train schedule. I also downloaded the free Oanda currency converter app, which I used to calculate exchange rates. Conversely, we used the iPad for booking hotels and travel entertainment.Keep your turned-off cell phone in a safe spot. I made a point to keep my regular cell phone turned off during my vacation, but I experienced a moment of panic at a restaurant when I discovered the phone at the bottom of my messenger bag — turned on. I spent the rest of my meal worrying about how expensive the roaming charges would be. As soon as I got back to my hotel, I checked my online cell-phone statement and was relieved to see that no major damage had been done by my carelessness. (I still have no idea how the phone powered on). Nevertheless, after that incident, I moved my cell phone into my bag’s side pocket so it would stay off and yet still be accessible during emergencies. And though my travel companion could have switched his iPhone to airplane mode and achieved the same effect as with the iPod touch, we found it easier to keep everything off — just in case.

Many hotels generate individual Wi-Fi passwords for each guest.
Some hotels used a computer system to print out a unique Wi-Fi code for our stay. Other hotels used our passport number to create a password. One downtown hotel gave us a username and a password that we could use while sitting in the attached cafe. Even after we checked out, we’d stop by that cafe to order a coffee, rest our feet, check our e-mail, and look up restaurants. At one hotel, we were given a code for one week of complimentary Wi-Fi access, but unfortunately that was our last night so we weren’t able to take advantage of the pass.

Some hotels provided free Wi-Fi in the lobby but charged for Wi-Fi access in the room. In one hotel, we decided that sitting in the lobby was better than paying 15 euros for in-room Internet access. As it turned out, our room smelled like cigarette smoke so the less time we spent in there, the better.

[Photo by Amy Chen]