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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Cheap Cruise Watch- Norwegian Upgrades (almost) everybody

It’s what the cruise industry calls “wave season”, the time of the year when people stop dreaming of a White Christmas and instead have nightmares about getting stuck in snow and ice. Thoughts turn to warmer weather and cruise vacations come to mind. We have been talking a lot about how to get a good deal lately. Today we have one for you.

Cheap prices are good. Cheap prices and you get more for your money are better.

Norwegian Cruise Line has a “Free Upgrades For All” promotion that applies to the new Norwegian Epic going on now through January 16, 2011 where we can book and get up to a 4 category upgrade at no additional charge. That’s nothing really all that exciting but with this promotion, you can book an ocean-view cabin (with a window) and get a balcony cabin at no additional charge. Book a balcony and get a mini-suite too. That’s different and unique to Norwegian.

They’re also throwing in a coupon book “worth over $400” but don’t get too excited about that part. Many of the coupons you probably won’t use but they do add up and some you will. The big attraction here is booking an ocean-view and getting a balcony or booking a balcony and getting a mini-suite on their newest ship. That’s the kind of value we want you to get. It’s available on all 2011 sailings and its pretty easy to do.

Like most cruise deals this can be a little tricky to book so pay attention if you visit the NCL website. For Balcony upgrades, you’ll see a Balcony Stateroom with the same price as an Ocean-view Stateroom. For sailings with Mini-Suite Upgrades, you’ll see a Mini-Suite listed at the same price as a Balcony. A few restrictions apply and it is always a good idea to read the fine print.

Get with your travel expert to be sure you get it right.

Flickr photo by Cruise News Weekly

2 easy steps to finding the best cruise price

In a matter of days, 2010 will be over and we’ll be welcoming 2011. Right after that a lot of travelers start thinking about cruise vacations. Maybe its cold Winter weather or maybe it’s having the holidays out of the way but January brings us what the cruise business calls “wave season”, a time when a whole lot of people buy cruise vacations. Here are two easy steps to consider before you make that buy.

  1. Hug the Internet– Start your search for the best of the best in cruise pricing online at the cruise line websites. Go directly to Carnival.com, Princess.com or almost any cruise line website. The point of this is to search the most accurate, up-to-date database of itineraries, ships, and ports of call available. Take note of the prices you find but don’t buy. This is an education process to narrow down your search for a sailing that is a good fit for you.
  2. Dump the Internet– Armed with the current information you just found online, email/call/tweet your travel agent for recommendations and pricing. Odds are high that the pricing may be exactly the same as booking through the cruise line if you did an accurate search, providing all the information they asked for. Where a travel agent most often comes in handy is down the road. Between now and when final payment is made, cruise lines may offer additional discounts, promotions or special offers that might apply to you and save money.

If you don’t have a good travel agent, see our tips on How to find a good travel agent too.

Flickr photo by Dave Dugdale

Travel Photography: Krome Photos service edits pictures for you

A funny thing happens to my travel photos after a trip. After uploading select pictures to Flickr or Picasa, my photos often languish unedited (and unseen) on my laptop. I tell myself that when I finally carve out some free time, I’ll go back and properly edit the rest of the pictures and create a photo book or scrapbook to remember my vacation.

Unfortunately, the photo folders keep multiplying and I never seem to find the time. Luckily, there’s now an affordable online service that can edit your photos for you: Krome Photos.

How It Works
Sign up for a free trial with 25 photo credits and 1GB of storage at www.kromephotos.com. Another special introductory offer gives you 100 photo credits for $2.50. See here for more pricing plans, including monthly subscriptions.

Download the Krome Photo Uploader to your desktop, and upload any photos that you want to be edited. Go off, live life, and about 24-36 hours later, you’ll get an e-mail notifying that your photos have received the “Krome Treatment,” or the talents of a personal photo editor who may improve your pictures with color correction, red-eye correction, cropping, or other tweaks.

You can accept or reject the photo enhancements; a photo credit is deducted from your account balance if you download or share an edited photo. Though it’s nice to have someone else’s perspective on your photography, if you don’t like how a certain photo is cropped or edited, you can easily undo the Krome Treatment. For each photo that you undo, a photo credit is refunded.

Need help deciding which edited photos to keep? You can click on a Before/After button to see the original picture and edited version side by side.As with iPhoto and Picasa, there are also tagging tools to help you organize your pictures.

You can e-mail a high-resolution edited copy to friends and family straight from the Krome Dashboard, which also has easy access to the requisite social-networking tools of Facebook and Shutterfly.

The Bottom Line
Though Krome Photos is not a replacement for Photoshop, Lightroom, iPhoto, or other photo-editing programs, the photo-editing service is a time-saver and could be just the thing to motivate me to edit the rest of my photos myself. As for creating a photo book, that’s still on my to-do list.

Top ten simple ways to lower your travel carbon footprint in 2011

It’s almost a new decade, and the earth ain’t getting any younger, cooler, or less crowded. As travel enthusiasts (even if it’s via an armchair), there are plenty of small changes we can make that cumulatively have a significant positive impact upon the planet. When you consider the amount of fossil fuels required to fly or even take a weekend roadtrip, it makes even more sense to try and offset that footprint by traveling (and living) mindfully. Notice I don’t suggest actually giving up travel: I’m eco-conscious, not delusional.

Fortunately, the eco-travel industry is exploding (be sure to do your research, to make sure companies aren’t just using the term as a buzzword). If you’re a business traveler who doesn’t have a choice on where you go or stay, there are still a number of things you can do to minimize your footprint. And FYI, there’s a growing choice of eco-gear and luggage available for all types of travelers these days.

While it’s simply not realistic to devote every waking moment to living a greener, cleaner life (I confess I love my car, and I certainly can’t afford to buy green or organic products all of the time), doing the best you can does make a difference.

Below, my suggestions for painlessly lowering a travel carbon footprint, no treehugging required.

1. BYO water bottle
It takes over a million of barrels of oil to fulfill our lust for bottled water in the U.S. alone, and those empty bottles have to go somewhere (hint: a landfill). Buying bottled is also just a waste of money, unless there’s a legitimate reason to drink purified water. Get a BPA-free bottle, and carry it to work, on the road, and in the air. You can even go one further and bring your own filter or iodine tablets, so you don’t need to purchase water at all in areas where the supply is untreated.

[Photo credit: Flickr user Brave Heart]

2. Bring a reusable shopping sack/use Ziplocs
These amazingly convenient little guys convert into stuff sacks and are the size of a deck of cards. Many have clips so you can hook them on your belt loop or day pack. Try ChicoBags or Foldable Bags for fun, practical, affordable options.

Ziplocs have dozens of uses, but one of their big bonuses (especially if you buy the heavy-duty freezer ones; if you can find industrial-strength bio-bags, even better) is that you can repeatedly use them to store snacks and leftovers; just wash, turn inside out, and dry. Now you have a place to put those juicy blackberries you found while hiking, or stash that crottin from the farmers market.

3. Use refillable bottles for toiletries
Who doesn’t love saving money? Whole Foods and other stores of that ilk have bulk body wash, shampoo, conditioner, and soap (often biodegradable/paraben-free) so not only can you top off for under a dollar, but get an earth-friendly product, to boot.

4. Conserve electricity
This is as simple as turning off the light, heat, A/C, or ceiling fan when you leave (you’ll survive the slight increase or decrease in temperature upon your return, I promise). If you’re staying somewhere long-term, unplug devices or appliances when not in use, since they continue to draw energy.

5. Walk, rent or borrow a bike, or take the bus
Think of it as getting some exercise so you can eat more of the local food. It’s also an eye-opening, and often enlightening experience to travel with locals, or explore a place by foot.

6. Pack collapsible flatware and utensils
I realize not everyone travels with a bowl and spoon when they’re not camping, but travel writers don’t earn the big bucks. I usually end up buying a bag of granola and picking up yogurt or individual cartons of soy milk (which don’t require refrigeration if unopened), so I can cut down on food costs when I’m traveling. I even reuse and carry compostable utensils I acquire from dining out, and stash them in my car and backpack. There are all different makes and materials for collapsible dinnerware; REI has a great selection. As long as I don’t turn into my mother and start slipping half-gnawed dinner rolls into my purse, I think my little habit is harmless.

7. Shorten your showers/turn off taps while brushing teeth and shaving
Water shortage is a life-and-death issue in much of the developing world. At home, practicing water conservation is also important, even if you don’t live in a drought-stricken region. But when you’re traveling? It’s not just courteous, but critical.

8. Pick it up!
Your trash, as well as trash you find during hikes or other outings. At the beach (or lake or river), collect discarded bottles, plastic bags, and other flotsam that can kill or injure aquatic life or pollute delicate marine ecosystems (which ultimately affects human health). I always make a point of doing a beach clean-up during my sunset stroll when I’m on a coastal trip. I keep a couple of trash bags stashed in my car and backpack. If you can afford it, get
compostable bags, which can now be found at just about any decent-size grocery store, but be aware most are pretty flimsy.

This beach clean-up behavior has garnered me baffled looks and even finger-pointing and snickers in Southeast Asia and Latin America, and of course these items aren’t going to get recycled. But if getting them off the ground and out of sight can temporarily tidy up and preserve the natural beauty of a place, I feel like I’ve done something positive for the planet and the local people.

9. Learn what not to purchase
Ivory, sea turtle products, rhinoceros horn, tiger penis, endangered animal pelts or pets, certain species of plants: just say no. The same goes for shady tour operators. Do a bit of research and talk to fellow travelers to get feedback on what trips or companies to avoid.

I’ve been seduced by slick promotional materials and operators in the past. This would explain how I’ve variously ended up at a squalid Burmese refugee camp (not a “Thai Hilltribe village”) full of downtrodden people who most definitely did not want a bunch of gawking backpackers in their faces; ridden some horses that were little more than walking skeletons; floated on a raft made from endangered wood; seen my tripmates buy drugs off of our guide, and literally had to make a run for it after a clueless guide had us set up camp in a flash flood zone. I realize I’m deviating a bit from the eco-theme here, but my point is, be careful.

For more information on what animal and plant products to avoid overseas, click here.

10. Give back
If I’m headed to a developing nation, especially if I’m doing a trek or other outdoor trip with guides, I pack old clothes and shoes, and donate them when it’s over. Sometimes operators will ask clients for donations if they have anything they’d like to part with. This isn’t greedy, tacky, or sketchy; when you consider what the average Quechua porter on the Inca Trail makes in a year, you can see why your gift of a pair of child’s mittens is important. Bonus: Packing light and donating articles reduces the weight of your luggage, which burns less fossil fuels on the drive or flight home.

I do still feel uncomfortable making unsolicited donations, but one of my favorite travel memories is from a culinary tour I took in Morocco a few years ago. On our final morning, a couple of us collected a bag of clothes, shoes, and toiletries to donate to the poverty-stricken community we’d passed each day on the way back to our accommodation. After seeking out an old woman who was clearly the village matriarch, we used sign language to explain our motive. With a huge, toothless grin, she began passing out items to the crowd that had suddenly gathered around her. They thanked us profusely, and we went on our way.

That afternoon, on our way to the airport, I spied an ancient, wizened Berber man scuffing down the dusty road. He was clad in skull cap and jellaba, and a pair of size 11 running shoes that had belonged to a 5’11 woman in our group. He kept pausing to hold up one foot, then the other, staring at them with wonderment. I have very mixed feelings about spreading Western culture when I travel to developing nations, but if those Air Nikes found a second life and enabled an old man to walk more comfortably, then so be it. And you know, he looked pretty damn fly.

[Photo credits: bags, Flickr user foldablebags.com; bike, Flickr user Pörrö; sign, Flickr user Beau B]