Pag mahilig mag-travel, mayaman agad? Hindi ba pwedeng MASIPAG LANG? :p
One of the most common misconceptions about people who often travel is that they have bottomless pockets to fund their passion. While this may be true for some, most of us still rely on our nine-to-fives to feed the wanderlust. But sometimes, you just don’t really need to spend a lot for that dream trip.
Wanna be a millionaire? Go to Vietnam!
Saving up for that trip takes a lot of hard work, discipline, and knowing how to maximize your available resources. Here’s some ways on how to fund your wanderlust:
Lucky are those who make a living through traveling but for a breadwinner like me, ‘traditional’ work is still my primary source of travel funds. I also boost my earnings by doing part time work. Sometimes I work 12 hours a day (or more) and/or during weekends just to earn extra money. There were times I even had 2-3 part time jobs just because I needed to save up for an upcoming trip.
What type of online jobs are available?
There are lots of online/freelance jobs you can do from writing, data entry, web design/development, graphic design, SEO – virtually everything except manual labor.
As for me, I’ve been doing general/business transcription for about four years now. I love that I can work on the projects around my schedule and doesn’t require a special skill set or sophisticated software aside from a downloadable audio playback tool.
Where can I find online jobs?
I know there are lots of sites out there that promises you can earn $1,000+ a week, but if it sounds too good to be true and/or asks you to pay or purchase anything before you can get a project, it’s a sham. A trusted site is oDesk (now Upwork). I started finding online jobs through this site and eventually worked directly with clients.
How much can I earn?
Varies; depending on the type of job you take and how much time you’re putting in (if you’re working on a per hour rate). But just to give you an idea, I earn between Php5,000 – Php15,000 a month from transcription work. This kept me afloat during the seven months I was unemployed. :p
CUT BACK ON SPENDING
If you have a habit of buying a tall frappe three times a week, that’s more or less Php1,500.00 a month if you do the math! By cutting back on this alone, not only will you save a thousand bucks, you’ll also be saying goodbye to those extra calories. 😀
Also avoid going to the mall during SALE! You might think you’re saving a lot because items are 50% – 70% off (blame it on marketing) but the tendency is to hoard, and now you have these things that you don’t really need which end up gathering dust. But then again, you can still turn that around and do a garage sale (another way to fund your wanderlust). 😉
USE YOUR BENEFITS
By benefits, I mean your SSS, PAG-IBIG (Multi-Purpose Loan), 13th month pay, and unused vacation and/or sick leaves that are convertible to cash. I don’t know if you’ve heard something like if you don’t use your contributions, they lend it to somebody else so might as well use it, right? :p This should be your last resort if you still don’t have enough funds after doing the first two above.
Admittedly, I made a PAG-IBIG loan as additional fund for our Hong Kong trip last year.
Am I eligible for the loan?
The easiest way to find out your eligibility is to inquire with your company’s HR department or you can refer to these sites: SSS and PAG-IBIG.
Both loans are payable within a 24-month period.
There, I hope I gave you some ideas on how to fund your wanderlust. Would love to hear your tips as well. Now, let me go ahead and finish that project. Will need the money for another adventure. 😉