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Budgeting on the roadThe slogging and saving stage of your gap year may be over, but this doesn’t mean you can relax completely as far as your funds are concerned. It’s important to be aware of what you’re spending... and what you’ve got left. You don’t want to come home after two weeks ‘cause you’ve blown all your money on five-star hotels.  Some people go as far as keeping a record of everything they spend. If you think there’s any chance that you’ll keep this up, buy a wee notepad and keep it in your day-pack. Make a note whenever you withdraw money from an ATM or change a travellers’ cheque, and whenever you spend any money. This might seem over the top, but you’ll know exactly where you are. The notebook method can be handy if you’re travelling with a friend or partner and sharing some expenses. Keeping track in this way means one person won’t end up spending loads more than the other. Other people only allow themselves to spend a certain set amount each week. This is a great way of keeping on top of your money, but make sure you keep some extra money aside for treats. You don’t want to miss out on a once-in-a-lifetime opportunity to bungy-jump with dolphins ‘cause you’ve spent all your budget for that week. The very least you should do is stay aware of how much money you've got left in travellers’ cheques, and how much you have in your bank account. The latter will be much easier if you can check your balance online. Most banks now offer this facility - make sure you set it up before you go. Whatever you do, keep a good chunk of money aside for unexpected problems. If you’re lucky and don’t spend it, you’ll have the luxury of arriving home to a bank account that’s not completely empty. Alternatively you could blow it all on your last night... |
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