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Avoiding unnecessary costs when travelling

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How to avoid unnecessarily expensive holidays? Travelling costs money, but you don't want the costs to spiral out of control. We provide our top tips on how to save for a trip and how to travel cost-effectively.

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How many Swedes borrow for their holidays?

Almost one in five Swedes borrow for their holidays, according to a article in Svenska Dagbladet. But borrowing for travelling can become a debt trap! We give you our top tips on how to save for your holiday instead, and how to go on a trip you can actually afford. If the unexpected happens and you still need to borrow, it's important to compare different loan offers.

Att undvika onödiga kostnader på resan
Who doesn't dream of a holiday? Image: Pixabay

How to save money for your trip

Travelling often requires saving money, but that can be easier said than done. Here are our four top tips on how to save money for your dream trip.

  1. Prioritising - To gain one thing, you may have to give up something else. Think about whether there is something in your life you can prioritise! The car? The boat? The holiday home? The extra TV channels?
  2. Reduce your expenses - Review your fixed monthly expenses and see if there is any way to reduce them. Can you get a better deal on internet or reduce costs by switching insurance companies? Can you bring a packed lunch to work instead of eating in a restaurant?
  3. Increase your income - Is it possible to change jobs to get a higher salary? Can you rent out your home while travelling? Do you have items in storage that you can sell?
  4. Save in a travel account - When you finally have some money to put away, it's ideal to have a separate travel account for this, so you're not tempted to use the money for anything else.
Att undvika onödiga kostnader på resan
Make your money grow, photo: Pixabay

How to travel more cost-effectively

Of course, once you've saved and are travelling, it's important to spend your money wisely and travel "cost-effectively". Here are four tips for travelling without spending too much money.

  1. Travelling in low season - Travelling during holidays and weekends is always more expensive. Exactly all is more expensive in the high season, so if you are able to travel in the low season, you get cheaper travel, cheaper accommodation and cheaper excursions.
  2. Choose affordable destinations - If you choose a destination with low prices, you'll get much more for your money. For example, you can find affordable (and exciting!) destinations in Eastern Europe and Asia.
  3. Live cheaply - Do you think that travelling must always involve hotel accommodation? Think again! Booking a bed & breakfast, a private room or a cabin in a campsite can be just as cosy and exciting. Or why not try swapping accommodation with someone in another country?
  4. Live cheaply - Strolling through cities, hanging out on beaches or enjoying nature doesn't have to be expensive. Make sure you pack a packed lunch or cook in that holiday cottage you've rented - that way you don't have to pay for it.
Stuga på camping
Maybe stay in a cabin on a campsite instead of a hotel?

If something happens while travelling

No matter how well you prepare, you can never predict everything that might happen while travelling, which is why insurance is always important. In most cases, your home insurance will cover you, but if you are going away for more than 45 days, or if you are planning adventurous activities, you may need additional travel insurance. If you're not sure what applies, check with your insurance company before you leave!

If an emergency situation arises, such as a robbery or an accident, you may need to, in the worst case scenario. borrow money while waiting to settle with the insurance company. In such a situation, it can be a good idea to compare loan offers from different finance companies, which you can do at finbino.

Väghjälp utomlands
Things don't always go as planned ... but when the campervan stopped in Spain, we got help!

It was a close call last summer

When we arrived in Tallinn last summer, travelling around Estonia by motorhome for three weeks, we started with a nice day in the capital. We had a beer at an outdoor restaurant and then strolled around for a few hours, before grabbing a pizza at another outdoor restaurant. Only when we left did we realise... Where is Peter's backpack?

We didn't want to leave valuables in the motorhome, so Peter had brought all in his backpack: laptop, film camera, drone and more. Then he accidentally left the entire backpack on the first outdoor terrace for several hours. I swear our hearts were in our mouths before we got there!

We had fantastic tripand the rucksack was still there. What if it didn't? Ugh, I don't even want to think about it, but we really had to solve the situation. We were supposed to take photos and film for three weeks for various reports we had promised to do, so we needed our equipment.

Tallinn - Att undvika onödiga kostnader på resan
Here Peter left his backpack with all his valuables ... for a few hours

What are your best tips for avoiding unnecessary costs when travelling? Have you ever been in a crisis situation and how was it resolved?

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