Things To Worry About Before You Travel

There are a few things you should give a bit of thought to before you up and go.

I recently read an article on The Financial Diet about the (potential) insensitivity of the inspirational “drop everything and travel” articles that seem to be everywhere we look. The article highlights how there seems to be a lack of understanding for those who have the privilege to travel far and often, and to say that “anyone can do it if you just try” denotes a misunderstanding of not only their own privilege, but also an insensitivity to the weighty barriers that may prevent a person from being able to uproot and just go.

If you’re in my boat, then you may want to travel but feel powerless to do so because… money and time off or job post-trip. We’re not freelancers, or trust-funded, and we certainly didn’t invent a cure to some obscure disease. We’re part of a group of young’uns that burst into the working world just post a market crash in 2008, or were downsized because of said crash, or are still feeling the ripple effects of that 2008 disaster. We work hard for little pay and have to medicate the anxiety disorder that has come with realizing that we’re going to need to support not only ourselves but also our parents someday.

Telling us to “just do it,” in my opinion, is just plain rude [cue Stephanie Tanner]. After a particularly terrifying nightmare last night about the 20% rent hike I’m facing starting next month, I was browsing Twitter for some light reading and came across the serendipitously perfect piece by Sally from Passports and Plates. The Twitter caption for the article is what initially what drew me in, stating “Don’t call me lucky to be able to travel & ask me what my sacrifice is instead.” When you’re done here, head over and read her post here.

So what should be considered before a trip?


Believe it or not, there are situations that just make imminent travel impractical. If your friends are taking a Lizzie McGuire themed trip to Italy but you have car payments, rent, and your grandmother’s 88th birthday party, that Eurotrip may not be an option for you.


I think this is a particularly important question to ask for any financial goal.

Take a look at your expenses vs. income and subtract all your known monthly expenses (rent, phone, car, heat, internet, student loans, and the list goes on….). If you use a budget tracker app – I recently started using Level and it has been wicked helpful – you can see other monthly expenses that can trickle in (groceries, transit, wine, etc…). Level also has a cool function where I can track my monthly purchases at specific locations, so I know how much I’m spending (on my card) on coffee or at the pharmacy/convenience store.

More reading:  Travel & Sustainability: How To Be A Responsible Traveler

Then figure out what you need to do: It might be cutting the daily coffee shop visit to once each week or saying “no more!” to the lunches out. Perhaps you’ll need to try to consign some of the less-loved items in your closet or cut back on your wine habit by stretching the vino supply with sparkling water (or ice….. don’t judge me).


Can I go in the near future or do I need to scrimp/save/plan for months? Just because it may seem like everyone is going on these wonderfully impulsive trips, doesn’t mean they are. Odds are, trips you see have been planned out well in advance, allowing for asking for time off and saving.


Do you have savings? Have you looked into HelpX or Workaway? Or thought about Couchsurfing to combine accommodations with cultural immersion? Or perhaps you should Google “work for stay hostels in X-destination.” Even if you can’t find an income source, you can certainly find resources to inspire creative ways to stretch your budget in a meaningful way.


If you don’t have a job waiting for you after your travels, this is of MAJOR importance. You need to figure out a game plan for reentry. You can’t just assume everything will sort itself out. You need a place to live, you’ll likely need to start making money the instant you return; and coming home without any sort of plan could cause major issues (if you need to live with mom and dad or beg a friend to let you sleep on their couch “until you get settled”).

It would be silly of me to tell you how to prepare for re-entry because, simply put, the process of coming home is dramatically different for everyone. I had a fair amount of money saved, lived in my parents’ house, and banged away at a job search. I had friends who lucked into or walked into jobs as soon as they got home. Maybe you have an advanced degree… or a family member who owns their own business who is willing to give you some temp work… or an apartment you’ve subletted that you can just come home to.

More reading:  Odd Things I do to Save Money for a Trip

The bottom line is: think about it. Don’t be foolish and assume pieces will fall into place… because flying by the seat of your pants may work in travelling (it’s my favorite way to travel!), but it doesn’t necessarily work like that when you’re trying to re-enter the working/financially-stable/home world.


I have these two friends, a couple from Canada, who were saving for-eh-evar for their indefinite-length trip. Around the time time that they had left on their trip, I mentioned to a coworker that I was super jealous that they were going to be somewhere warm for a long time…. to which her reply was, “It must be nice to be able to just up and leave like that.” Ermmm… snarky much?

She was missing a BIG piece to that puzzle.  What she didn’t know is that they carefully and strategically planned and saved for a really long time and had a laid game plan for how to manage making responsible and budget-friendly decisions on the road.

So lets wrap this up, shall we?

Use that big pink, wrinkly, bubble inside your skull (it’s behind the eyes, but under the hair) to have a good long think on the: ifs, whens, and hows of your next trip. Unless you have a good bit of money, you’re not going to be able to just go on a whim…. without also thinking about all the things we’ve just talked about.

  • What is your first concern when considering a trip?
  • Have you received any flack from those who don’t understand the intricate process behind travel planning?
  • What advice would you offer to someone whose major travel barrier is “but I don’t want to leave my family”?

If you got to the end, and didn’t click the links, here they are one more time:

Passports & Plates: What’s Stopping You From Traveling
(*I liked this piece SO much that I was nearly done editing this article and I went back and reworked the piece a little so I could share!)

The Financial Diet: Why “Don’t Worry About Money, Just Travel” is the Worst Advice of All Time

Ok, just read The Financial Diet. All of it.

Posted in How To, Travel, Trip Planning, Uncategorized and tagged , , .


  1. It is hard to juggle it all ! I limit myself to travel during campus breaks and mostly on media trips. Though I do have a direct debit saving each month.

    • That’s my goal, too! I’m still recovering from sending my parents to Ireland earlier this year, so it’ll take a bit longer for me to get there than I would like, but at least its a goal!

  2. I was very lucky that I had saved a lot of money before I went on my big trip and managed to work for 14 months of the first 2 years I travelled at great pay. I dread the day when the money gets low that I need to think about working again, but I know one day it will happen, but I haven’t planned for it and will worry nearer the time. I meet lots of people who are on such a strict budget on their travels and it does make me very grateful that I am not quite in that position yet.

    • That’s amazing that you were able to save so well! I’ve got trip planning and budgeting down super well, but I’m working on really learning to budget my daily life to squeeze every penny out of my paycheck (to go towards traveling) that I possibly can!

  3. These are all great tips! I think it’s super important to realize that while travel is fun and should be spontaneous, we have to be responsible as well. I kept track of my spending even though I have plenty set aside and it made me feel better knowing I didn’t blow it all away. Thanks for sharing this very real, very honest post!

    • Thanks Laura! That’s exactly what I was trying to get across: staying responsible! I find myself comparing my situation to my friends who are on their trip like, "why can’t I?" …. and I can, I just have to do it differently and put more planning into it because my life circumstances are just plain different.

  4. Great post! I love that you addressed this topic that everyone seems to be writing about. Everyone’s situation is so different and it’s not always as easy as just dropping everything.

    • Totally. I mean, calculated risk is one thing (like the working holiday visas that entitle you to work, but don’t hand you a job)… but just going because you see someone else doing it is plain silly.

  5. Travel, whether long term or short term needs to be thought through and considered in a responsible manner. It is a choice that one makes as well as the consequences that come along with it too. Travel does not mean financial irresponsibility. Great read. Nice and honest!

  6. All great points to make. I enjoyed checking out the other blog posts this was responding to as well. It was a nice refreshing take on the common, get out a travel posts! Thanks for sharing.

    • Thanks, Susanna! I know The Financial Diet piece sparked a little controversy in her comments section, but though one might not agree with all the points, I like that it kinda "called out" a common traveler problem.

  7. Ah, a voice of reason! We all just want to up and go and perhaps there is a time and a place for that but I think for most of us, your advice is very smart. Thanks for sharing your advice and some helpful links!

    • Woo thanks, Karla- glad you liked it! I’ve working for a non-profit for a while and I’m realizing (in comparison to when I was in Korea and had loads of paid time off) that, as you said, there is a time and place for it for sure!

  8. I think there has to be a balance between flying by the seat of your pants and don’t worry about it, just go. No one will ever have "enough money," especially if they are planning on traveling indefinitely. Yes, it takes a lot of savings, but it also takes a game plan to earn some of it while you are going. I know that I could save forever and still not feel like I have enough because I am naturally a saver, so if I don’t just go sometimes, I will never go.

    • You’re so right. I’m a bit of a saver and definitely had to train myself (or maybe learn to allow myself) to spend those larger amounts of money on flights to go somewhere new. I guess the key for me has been to go from not taking risks, to taking too big risks, and then setting in the middle at calculated risks when it comes to spending on travel– otherwise, I’m definitely a saver, too.

  9. Thank you for bringing this up, Katie! I was just talking about this topic with a new friend I made on a recent trip. Going out there IS worth it, but we both prepped a lot to get to that point. Overtime at work, being super-thrifty, missing dinners out with friends, etc.

    People who want to travel should realize there’s a lot going on behind the scenes, so to speak. And you’ve perfectly described a bit of what’s going on when we decide to travel. (Which means the next time I get asked why I don’t agree with the "quit your job and see the world" schtick, I’ll send people over to this post!)

    At the same time, spur of the moment trips do have their place; guess that’s why we save for a rainy day. 🙂

  10. I am about to “quit my job and travel the world”.

    Thing is though, I’m doing it as a result of choosing redundancy, having worked in the company for 20½ years. I’m doing it having saved about 5 months’ worth of pay in my bank account (and I’m in a reasonably well-paid job), plus I’m doing it with the knowledge that my redundancy payout will keep me going for a number of years extra to that. I am a homeowner (so have a place to come back to), and am going through (albeit slowly) processes to make my house rentable in my absence.

    The savings have been achieved also by my frugal lifestyle, always making sure I only spend what I need over the course of the last couple of years, not buying luxury goods or experiences, always keeping well within my means. (I could have been even more rigorous to be fair though!). Always have an eye on the long game.

    While I concede to not having a re-entry strategy per se, certainly I know I have transferrable skills that people will always require. However, I am in discussions with a couple of friends of mine who can keep me informed as to what sort of things I’d need to do to prepare. One of them is also an accountant so is guiding me on financial ideas to tide me over in the interim. Ideally I’d make a subsistence living from travel writing (not blogging!) but I’m not going out and *expecting* it.

    Despite all these safeguards, I *still* wonder if I’m doing the right thing, if I’m not just mortgaging my future on a whim, and if I’ll come to regret it in 20 years time when I’m coming up to retirement. It would be so much easier to stay put and continue working, much more logical. I mean I’m sure I’ll be all right in the short term because I’ve put myself in a position where things won’t be a problem, but if even I have concerns regardless of all the preparation and saving I’ve done, for most people I guess it would be even more of a ‘living on the edge’ thing. Maybe that’s why they do it, I guess.

    • That’s great~ congrats, Ian! It sounds like you’ve given it a lot of careful thought and planning. I was so mad when I realized how wide-spread the “just quit and go!” advice had become. I doubt you’ll regret it in the future. Not the same, but the Zambia/Botswana trip I took last year literally cleaned me out (er, actually… still in debt from it) – but I absolutely do NOT regret going on the trip. Sure, I get stressed about carrying a balance on my credit card from the trip – but the experience was so wonderful, that it all makes it ok (and pushes me a little harder to find a new, better paying job!)

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