Monday, January 1, 2018

Travel Ideas? Find the Right Travel Card ~ Ode to a New Year

For most of us, the New Year is a day of mixed emotions. The things we failed at last year, what we had hoped for--the joy that things happened, things were able to accomplish. Or the random things that make a year interesting. It was definitely a mixed year for me, as most of you would know. But it was a full one, and it put me on the path I needed to be. I'm much happier, and in a much better place. I have a lot to look forward to this year.

  I'm already on track with getting out of debt, (very happy about that--should be out of credit card debt by the end of April, if not March--and will have paid off my online classes by end of June!!) and I should be able to hit my car payments hard after that--get at least much of it paid off. And on top of that...I'm endeavoring to save for a cruise at the end of the year with my friend Kenia. So that is exciting!
via wikipedia

Which made for good timing when Ashley from U.S. News and World Report reached out to me about a topic that I've actually been studying about for awhile. I LOVE to travel, so anytime I get to visit someplace new (which isn't often) or anything, I take the chance. If I can feasibly make it work, I will find a way.

  Around the end of August or early September my friend Kenia asked if I'd be interested in going a cruise. Well YEAH. If we can pull it off, sign me up! So after figuring out what this year was going to look like, I told her that we needed to start making concrete plans and setting savings goals. I'm so excited. Which puts us on the subject of money....

  Honestly, this is something that differs with people. I, however, am a fan of having a reliable card/cards that will enable me to travel and enjoy myself hassle free. (And if you travel abroad DO NOT forget to tell your bank!!! Don't don't don't forget!) It is better to have a travel-oriented card that has less transaction fees, good security, and overall a good rating among customers. I've been planning on applying for one in particular--the Chase Sapphire Preferred--because I have heard so many good things about it for years. (First from Nomadic Matt, years ago--and it is especially covered in his book How to Travel the World on $50 a Day--LOVED that book)!! And this article from U.S. News and World Report covers a lot of the questions/issues that are still being raised about the best cards to look for. We still live in a time where most people think that only the rich can travel, although that's changing. Whenever I mention travel, almost always someone says, "Oh my gosh it is SO EXPENSIVE to travel. You better save up a lot of money." Sure, I like savings. I do that. But these people forget that there's a lot of information out there, and a lot of opportunities offered because more and more people want to get out and discover. Perhaps if these types of articles were shared more socially, more people would have an open mind about travel. (And would get so grouchy about being home, haha).

  You see, it is so much safer to use a credit card abroad, and then use the money you saved to pay it off. If something happens to your card, it's not coming out of your bank account. No one is stealing that particular info. And a lot of credit cards--the really good ones--have stellar security attached to them.

  If your dream is to travel--even if it's just here and there--then do your research. Save yourself that hassle of making a possibly costly mistake. I've inherited my credit card sense from my parents, because they taught me well, and I've furthered my own experience. This article from U.S. News and World Report covers so many bases when choosing a card. Check it out!


  ~Nikki



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