Budgeting a Vacation the Easy Way

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					                                                Presented by Daniel Toriola

    Before you can build wealth, you must create and maintain a budget to begin the process of saving money and
     getting out of debt. The secret to success is discipline. You must live within your means and learn to spend
                                              less money than you make
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                                               Budgeting a Vacation the Easy Way
                                                               By Tom Tessin

   The next time you get ready to leave for your road trip, there are a few things you need to keep in
mind when it comes to budget because believe it or not, there are a lot of things that people tend to
forget when they pack their bags and hit the airport or the roads. In order to maintain a great budget,
use the checklist below to see if you’ve included all of these categories in your planning.

 Gasoline – This is an obvious one but a lot of people forget about this one. In order to get a great
estimate of how much gas you’re going to use, there’s a simple formula you can use. If you know
exactly where you’re going, hop on something like Google maps and pop in your destination. When
you do this, it will show you how many miles this is going to take. Since you’re probably coming back,
you’ll want to multiply this by two. Now, the next thing you’ll want to do is take how much miles per
gallon your car gets. Let’s look at this example.

 Let’s say your car gets 30 miles per gallon and your round trip is going to take you 1,000 miles. You’ll
want to get a gas price average. Let’s say gas is $3.75. If your car holds 13 gallons, it’s going to get
390 miles per tank. Let’s take the total miles of 1,000 and divide it by 390. You’re going to get 2.5. This
is how many times you’re going to have to fill up your tank. Let’s take the two fillips and multiply 13 by
2, which are 26 and we will take this 26 and multiply it by the gas price at 3.75. You’re estimated bill on
gas would be $97.50.

 Food – If you’re going on a road, you’re going to need to factor in at least three meals a day.
Depending on where you want to eat, this is what your budget is going to be. If you’re going to eat at
McDonalds, you probably can stretch it to about $5 per person. If you want to eat a more expensive
restaurant, you may want to stretch it to $10-15; this is all up to you. You can also be creative and just
pack lunches and dinners to save on money; it’s all up to you.

 Hotels – When travelling on the roads for more than 12-14 hours, you’re probably going to need to
stop at a hotel. While I recommend you book ahead of time so that you can save money, sometimes
you don’t know how far you’re going to get. Instead, make sure that you factor in hotel stays or if you’re
camping, which is a lot cheaper, make sure that you factor this into your budget depending on where
you want to stay. Keep in mind that some areas are cheaper than others depending on where you are.

These are a few things that a lot of people overlook. Some of you will glance at this and think, why do

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                                              Presented by Daniel Toriola

people forget these common things? Well, it happens and if you want a nice organized budget, make
sure you think of everything that you spend money on.

Find airline credit cards and more of Tom's work at

Household Budget Worksheets
Provides personal and household budgeting tools and advice.
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                                             Presented by Daniel Toriola

                                    Do You Suffer From These 5 Budgeting Myths?
                                                        By Jason Anderson

Budgeting has a bad reputation with many people. They envision a budget means calculating hundreds
of difficult sums and spending hours each week tracking every single cent they spend, all the while
being forced to stay at home and never have any fun. The truth is nothing like this at all. Below are five
common budgeting myths, and the reality of the situation.

1) Setting a budget is hard.

 Many people feel that the process of setting a budget is hard, requiring hours of complex maths or
large periods of time slaving away over large piles of paper or an Excel spreadsheet. The truth is there
are many ways to go about setting a budget. If you are someone who likes a lot of detail or working
with numbers, there are budgeting methods that can involve lots of figures and time working them out.
But there are equally other budgeting methods that are very simple and straight forward to set up. It's
all a matter of finding a budgeting method that's right for you. If you're not comfortable with the
budgeting method you've chosen, you're unlikely to stick at it.

2) It takes a lot of time and paperwork to maintain a budget.

 Maintaining a budget does mean you have to keep an eye on how your spending and budget match
up over time (making tweaks to your budget if necessary), but very few budgeting methods require a
lot of work and time to maintain them. Usually you will have a quick look at your budget when you get
paid to ensure you're on track, then get back to enjoying your money.

3) You have to be in financial trouble to use a budget.

 A budget can certainly help someone who is having financial difficulties find their way out of trouble,
but budgets aren't limited to such situations. Anyone can use a budget. In fact, a budget is the best
way to ensure you never get into financial trouble! Better yet, a budget is the perfect way to save up for
an expensive item (like a holiday or the latest electronic gadget) that you know you will want in the

4) Having a budget means you have to suffer.

 Budgets have a bad reputation because many people envision eating cheap noodles at home in a
dark room lit only by a single candle, with absolutely no luxuries or fun allowed. But just because you
have a budget doesn't mean you have to suffer. Coming up with a budget is all about working out how
to do the fun things you enjoy doing, while at the same time ensuring you have enough money left to
pay the bills as they come in. Sure, in some cases you may find you have to cut back in some areas.
But the only reason you would ever suffer after putting a budget in place is if you purposely set the
budget up to make yourself suffer.

5) Budgeting means not spending any money.

 Ironically, budgeting is really the exact opposite of not spending money - it's working out the best way
to spend your money! Sure, if possible there should be an amount in your budget set aside for savings.

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                                                Presented by Daniel Toriola

But even savings are simply putting aside money to spend in the future. All budgeting does is help you
save money on little things you don't really need now so you can spend the money on big items that
you really want in the future.

 Now that you know the truth behind these five budgeting myths, what are you waiting for? Get started
today in setting up your own budget, and reap the rewards they bring!

Money worries don't have to control your life. Discover simple everyday tips you can use to take control
of your money by visiting

The Travel Secrets Guide
Just using one of the secrets in the Travel Secrets Guide could save you hundreds, even thousands, on your next trip or vacation.
                                                                                                                                    Page 4
                                                 Presented by Daniel Toriola

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