Now holidays are the thing that most people dream of. Cases of COVID-19 are now sloping in many countries, and the longing to visit tourist attractions has become unbearable after two years of being advised to stay at home.
For those of you who want to plan a vacation, it is very important to consider the budget or budget for a vacation, here.
Although the COVID-19 case has been sloping, but now everything still feels completely uncertain, including about income and expenses. So, how to get around so that finances are not wasteful but can still take a vacation?
Financial Planner from Tatadana Consulting, Tejasari Assad, said that a vacation in the midst of economic pressure due to the pandemic is fine as long as you can calculate all expenses correctly.
Well, here are vacation tips but still cost-effective, summarized from us. Come on, see!
Calculate Budget
Teja suggests thinking first and calculating the ability of funds or income that you can use for a vacation. Allocate income per month, minus daily needs, bill payments, savings funds or emergency funds. If there are leftovers, they can be used for a vacation.
Remember, don't turn it upside down, even take a vacation first and then a routine need, because later it will make you dizzy. Teja also reminded not to spend the entire vacation allocation fund. Because if it is still possible to save money, it will be better. You can save the rest of your vacation budget.
Choose Destinations Carefully
The next tip to keep your vacation economical is to choose your destination wisely. If the budget is available, you can start choosing the appropriate destination. For example, if you want to go on vacation to the beach but the budget is not too big. You can choose a beach that is close to your domicile, so that the distance is close. Do not let you force yourself to go on vacation to a distant beach, because of course there will be more budget for transportation costs.
Start Counting Expense
After the budget already exists and the tourist destinations have been determined, it is time for you to calculate expenses. Keep expenses to a minimum, from transportation costs, accommodation, meals, and other costs that may be needed. By calculating it in detail and minimally, you will not spend too much money.
Take advantage of the promo
If you want to save even more during your vacation, you have to be more observant in taking advantage of promos or discounts issued by tourist attractions and online travel agents. For example, there are promos at a certain percentage at one hotel, or promo tickets for admission to tourist attractions using a credit card, there's nothing wrong with you taking advantage of that.
Stay Careful Using Payment Channels
It's good to take advantage of promos, but Teja also warns that using a credit card for holidays is consumptive. Therefore, you must remain wise in using a credit card, adjust it to your payment capabilities. Don't let the holidays end and you'll end up in debt!
Don't Disturb Emergency Funds or Investments
The current ups and downs of the economy should not make you bother with your emergency funds, savings or investments for just a vacation. This is because the three posts have different functions in finance.
According to Teja, emergency funds, savings or investments should not be disturbed because they will be a cushion when there are financial difficulties. Because we don't know what will happen in the future.
So, here are some tips so you can have a vacation with funds that are still frugal. May be useful!