Financial Strategy for Passionate Travelers


Travel is one of the best ways to learn. You get to see and explore places, experience cultures, feel adventures, meet interesting people and get to know more of yourself in every journey. I got fascinated by postcards as a child, and I promised myself to get to these places when I found a good job and started earning money, which I did and still do.

We can’t deny the fact that travel costs us our hard-earnings but it won’t necessarily be, only if we know how to budget, plan, and spend wisely.



The more we travel the more money we need to sustain it. This is the thinking that hinders us from fulfilling our dreams to see the world, which is absolutely true. Some thinks they can’t afford it because of their income level. Some believes that working very hard at young age and travel when rich is the most suitable. But the questions are; when are they going to be rich and start to travel? By the time they are rich; do they still have the energy and enthusiasm to explore? Travel doesn’t define how much earnings we do nor knows age, for it applies for people who have greater view of the world.




The only differences are the enthusiasm and energy. Most people who travel on budget at young age take the most out of their journeys due to minimal limitations. They have all the energy to move everywhere on foot and do almost everything out of nothing. They experience the most adventures!

I have been traveling both domestic and overseas for 8 years now to earn experiences and memories that will last a lifetime. Memories that will make us smile reminiscing, when our knees can no longer endure long journeys. I did it, and so can you!





I am writing this blog to help people set a better planning with their finances for travel funding to fulfill their dreams too. I also share my strategy and formula backed by some financial research I did few years ago which I proved myself to be very effective. It only needs control and determination to save the target funds we need.


Income vs. Expenses

Income – Expenses = Remaining Funds

Income is the money obtained through employment, business and other assets.

Expenses are the outflow of funds from income which includes all sorts of bills, food, shelter and other liabilities.

Remaining funds is the difference between income and expenses.


Remaining Funds

%20 Savings

%10 Investments (Stock Market and etc.)

%10 Emergency Funds

%60 Travel Funds


Assuming I only have 1 source of income through my employment earning 20,000php a month.

Income = 20,000php

Expenses = 11600

  • Electric Bill = 1500ph
  • H2O Bill = 500php
  • Monthly Allowance = 5000php
  • Cable = 600php
  • Food = 4000php


Income – Expenses = Remaining Funds

Remaining Funds = 8,400php

  • %20 Savings = 1,680php
  • %10 Investment (Stock Market and etc.) = 840php
  • %10 Emergency Funds = 840php
  • %60 Travel Funds = 5040php


I have 60,480php accumulated by the end of the year for my travel without compromising my savings and other necessities.



The information above related to finances are based only on my own understanding of the books I read, I researched and formulated a long time ago, which I applied to myself and proven to be successful for travel funding in the past 8 years.

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