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Destinations, Paying for travel · December 29, 2020

how to plan and pay for a big trip

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Today I’m fusing two of my favorite topics: travel + finances! Michael and I both have a passion for traveling and get to do a good bit of it. We spend A LOT on traveling each year, but we make sure our other financial goals are still on track. So how do we save and pay for a big trip? I’m outlining all of that here for you! 

Top of a hike on a weekend trip


This is arguably the most fun part… you get to pick where your next adventure will take you! We have a bucket list that is about one million miles long, so how do we narrow it down? We choose how much time we can take off, how much the trip may cost, and if we are meeting friends. Obviously, weekend trips are more affordable and easier to plan with friends. We often use events like weddings to guide our plans as well. 

I often use resources like Pinterest, or my favorite travel blogs /vlogs (here and here) to get an idea for what we might like to do and how long we will be gone.

Weekend trip to Charlottesville, VA


Deciding when you’re going to take off will determine how much you have to start saving. If you are planning a big international trip I would plan it out 1-2 years in advance. Any less time than that, you will be contributing a large chunk of money in each paycheck towards saving. If it’s just a weekend trip, you may want to go in a few weeks or months. 

Idaho welcome sign

I’m a firm believer that even if it’s an exorbitant trip, you can make it a reality by planning and saving. If you have a realistic timeline and a little bit of patience you can make virtually any trip a reality! You can estimate how much a trip will cost by doing a simple google search. Search flights, accommodations, and how much meals will cost.

For example, if I’m going to New York City I will estimate a LOT more for accommodations and meals than I would if I were going to the mountains for a weekend. If the trip is a couple years off, I add a cushion to account for inflation and changing travel prices. 

Snake River in Wyoming - big trip we had to save for!


From how much your trip will cost and how much time you have to save, do some simple division for how much you need to stash away each paycheck. This part is pretty simple, but for example…


Before we even got married, Michael and I decided we wanted to take a trip to Southeast Asia for 3-4 weeks one summer. We were planning to go next year, but with Covid that’s most likely not happening… I’ll write out our thought process anyways. We started saving when we got married, so we would have about 2 years to save. Because the cost of living is so low in Southeast Asia, our main budget would be going to flights. We estimated a rather generous $6,000. So, $6000 divided by 24 months is $250 per month. I budget each paycheck, so I break this down even further to $125 per paycheck. Even though this is a LARGE trip, $125 a paycheck seems very realistic and doable. 

Hot spring in Yellowstone National Park

Oftentimes, we are saving for a larger trip simultaneously along with smaller weekend trips. If we don’t have anything on the books, I will save a small amount in a “vacation” fund if we do want to take a last minute trip. 

Hurricane damaged dock in Emerald Isle, NC - save for a big trip


These steps are often interchanged and intertwined as well. The budget may need adjustment if we have an unexpected expense or have something like a wedding come up. I think the key to going on a big trip is patience and being willing to plan years in advance. You also need to be committed to not racking up credit card debt. 


I’d love to know: how do you plan and save for trips? Is your process similar or do you have other things you take into consideration?

Til next time!

In: Destinations, Paying for travel

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Hi friend! I’m Ashley, a 20-something newlywed, dog mom, and pediatric physical therapist. I have incurable wanderlust and when I’m not working, I’m dreaming up our next adventure. We utilize credit card points and miles to see the world for nearly free and I’m teaching you the same thing. I’m so glad you’re here!

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In 2022, I started to see the potential of what my In 2022, I started to see the potential of what my life could be. Thanks to the blog, Instagram, and burn out in my professional life—I traveled more last year than ever. And 2023 is shaping up to be the same way! My advice remains the same as always: take the damn trip. Use the PTO! Explore on the weekends. Life is short, make it worth it!! 

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It was a great year: we bought a house, went on tons of weekend trips, visited 2 new countries, and I changed jobs. 

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