Mistä rahat matkustamiseen

Mistä raha matkustamiseen

Mistä rahat matkustamiseen

Monessa blogissa pohditaan tätäkin puolta joten avaan vähän omaa tapaani. Budjetti on osa reissailua ja mitä järkevämpi on rahan kanssa yleensäkin sitä helpompaa on tehdä asioita. Kirjoituksessa ei ole mitään ehdottomia totuuksia vaan omia näkemyksiäni ja kokemuksia.

Mutta tämä malli on toiminut meillä hyvin, kävimme 2019 vuonna 5 matkaa ulkomaille, muutaman kotimaan reissun ja 2020 tavoite on vähintään sama. Silti kun toimii oikein matkusteluun käytetty raha ei ole mistään pois, päin vastoin olen itse terveellä tavalla koukussa säästämiseen ja sijoittamiseen.

Sähköinen säästöpossu

Tälläisiä on tarjolla liki jokaisella pankilla, Osuuspankki on itselläni käytössä ja se toimii seuraavasti. Voit itse määritellä paljonko jokaisesta korttiostoksesta siirtyy rahaa syrjään. Itse olen säätänyt summat 4 euroon, eli jokaisesta tapahtumasta menee 4,- erillislle tilille.

Mistä rahat matkustamiseen, olisiko säästölipas sinulle sopiva tapa?

Raha ei ole siellä myöskään pakosta jemmassa vaan sen saa tarvittaessa pois. Säästö on vähän huomaamatonta eikä se ole mistään pois, jos tilin saldoa ei kurki niin ilokseen aina huomaa että sinne on taas tullut tonni lisää. Tämän rahan sitten itse jaan aina matkailun ja parin sijoitussuotteen kesken. Näistä voisi tehdä oman kirjoituksensa mutta jokaiselle löytyy varmasti omansa, riippuen siitä paljonko haluaa itse käyttää aikaa ja millaisella riskillä haluaa liikkua.

Kun tili tulee

Tämä sama oppi pätee muuhunkin kun matkusteluun mutta vaikuttaa myös siihen. Aika kun uusi tili tulee, siirrän kaiken mitä on jäljellä vanhasta sivuun, ihan oma erillinen siirto jotta sitten alkaa puhdas tilanne.

Jokainen voi säästää tilistään kun keksii itselleen sopivan tavan tehdä sitä.

Seuraavaksi siirrän tietyn summan kuukausittaisiin säästöjuttuihin ja sijoituselementtiin, sitten alkaa kuukauden rahankäyttö normaalisti. Kuukaudessa säästälipas elää omaa elämäänsä ja sitten kun taas kuukausi on mennyt, toistan saman rituaalin, loput pois ja uusille samat toimenpiteet.

Tartu tarjouksiin

Jos ennakkoluulottomuutesi kestää matkojen varaamisen esimerkiksi sosiaalisen median nopeiden tarjousten perusteella säästät selvää rahaa. Itse käytän somea sen kummemmin peittelemättä tekemisiäni, tykkään asioista jotka kiinnostavat ja usein se mainontakin osuu aika hyvin kohdalleen. Sen kautta tulee hyviä tärppejä ja nopea varaaja saa myös usein hyviä hintoja.

Asuminen reissussa

Käytämme melko vähän hotelleja ja suosimme Airbnb.fi palvelua, olemme kokeneet että matkustelu on näin enemmän sitä miten paikalliset asiat kokevat ja muutenkin omatoimisuus on aina hyvä olla läsnä jos ne oikeat nähtävyydet kiinnostavat. Toimii hyvin kaikkialla maailmassa, niin Tsernobylissä kuin New Yorkissa.

Airbnb:n kanssa elät kuin paikallinen.

Jos sinulla ei ole vielä Airbnb tiliä niin luo se tästä linkistä:
https://www.airbnb.fi/r/ssaarenpaa1?s=6&t=061n

Hämmästyt varmasti miten hienoja mahdollisuuksia on tarjolla.

Hanki lippuja etukäteen

Myös itse kohteessa tarvitsemasi liput voi usein hankkia etukäteen ja näissä säästää helposti rahaa jos viitsii käyttää hiukan aikaa. Ja toki samalla säästyy aikaa kun sitten paikan päällä ei tarvitse käyttää lippujen kanssa säätämiseen aikaa.

Kilpailuta vakuutukset

Kuulostaa hurjalta yksittäisenä ratkaisuna mutta itse usemman moottoripyörän omistavana voin kertoa että ero saattaa olla tuhansia euroja yhtiöiden välillä, luit ihan oikein, tuhansia euroja!

Omistatko jotain turhaa

Joskus laskeskelin talouden kiinteitä kuluja ja hämmästyin siitä paljonko ajoneuvot vievät rahaa seistessään jopa tallissa. Ymmärrän että kaikki eivät pärjää ilman autoa mutta itse luovuin autosta taannoin vähän vahingossa, myin sen pois ja auto mikä piti ostaa tilalle ei ollutkaan aivan mieleinen joten jäin etsimään vastaavaa.

Tilanne on kestänyt jo yli 4kk ja huomattiin vahingossa ettei oikeastaan edes tarvita autoa. Auton kulut olen kuitenkin vanhasta tottumuksesta siirtänyt säästöön, näitä summia kun sitten katsoo niin huomaa vasta myöhemmin että säästöä kertyy huomattava summa ihan vahingossa. Tälläisiä kohteita voi olla loputtoman paljon.

Enkä tarkoita että jokaisen pitäisi karsia asioita pois, mutta tutkiessa saattaa löytyä paljon turhiakin.

Mitkä ovat sinun välineesi rahoittaa elämäntapaasi?

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