Travel Tips – Travel So So Fun

How to Travel on a Budget

A solo female traveler standing on a mountain
Last Updated: 9/4/23 | September 4th, 2023

Travel has become really expensive. Post-COVID, the entire world seems to be traveling again and prices just keep rising. I am astonished at how high they have gotten. But it’s a product of rising costs and out of control demand. Everyone just wants to travel. We’re all looking for an escape.

Fortunately, it’s not all bad. Airfare has started to go down again, there are more deal-finding websites online, free walking tours in more cities, and more opportunities to bypass the traditional travel infrastructure and connect directly into the local way of life via the sharing economy.

As we navigate the post-COVID world of high prices, I want to share some tips and tricks on how to travel on a budget this year!

1. Change Your Mindset

Changing your mindset might not be a traditional budget tip, but it’s important nonetheless. Constantly remind yourself that travel is possible while taking concrete steps to make it a reality. Action begets action — even if it’s just baby steps.

Start with a “yes, I can” mindset. Don’t think “I can’t travel” — think “What’s one thing I can do today to make my trip closer to reality?”

Life is a mental game. Do one thing every day that gets you closer to your trip and you’ll find yourself building unstoppable momentum.

2. Come Up with a Savings Plans

Unless you’re Bill Gates, we all need to save more money. But how do you do that? While life is expensive, I do believe there are always ways to save a little more. There’s always something you can cut. A little bit of savings adds up a lot over time.

First, start by tracking your spending. Write down everything you spend money on for a month. Groceries, rent, eating out, Netflix — everything. You can’t figure out where to save if you don’t know where your money is going.

Next, start a savings account specifically for travel. That way, you’ll have a dedicated space for your travel fund and you can watch it grow. That progress will keep you motivated. Even if it’s just a few dollars a week, every penny counts. The more you save, the more you want to save.

Finally, start cutting. Maybe it’s going to Starbucks, maybe it’s saving on gas by carpooling to work or cutting back on eating out. We all have things we can cut. Find yours.

Here are some posts on how to save money:

3. Score a Flight Deal

One of the things that people always tell me holds them back from traveling more is the cost of flights. But, let me tell you, there’s a lot of deals right now.

All the airlines are trying to fill planes and are offering a lot of deals for summer and fall travel right now. After all, they need to make up for a lost year and are desperate to get people on planes.

The key to finding a cheap flight is to be flexible with your dates and your destination. If you have your heart set on “Paris in June” you’ll be forced to pay whatever the flight costs. But, if you open that up to “France in the summer” — or even “Europe in the summer” you’ll be able to find much cheaper flights since you’ll have a lot more wiggle room to test dates and destinations.

I like to use Google Flights and Skyscanner to browse my options. I type in my home city and then pick “everywhere” as my destination. I then base my plans around where I can fly to for the least amount of money.

Both websites also let you sign up for price alerts so you’ll get an email if the price for your ideal trip happens to drop.

And if you really want to find amazing flight deals, consider joining a flight deal site like Going. It’s the best website for finding flight deals from the US and has saved me a fortune over the years. It’s not free, but new users can get 20% off a Premium membership with the code NOMADICMATT20.

Other helpful flight deal sites are:

The Flight Deal – Incredible deals for flights all around the world.
Secret Flying – Another site with amazing flight deals from around the globe (they find a lot of Asia/Africa/South America deals not found elsewhere).

4. Get Points!

Travel hacking, the art of collecting points and miles, is a great way to travel on a budget. By getting point-yielding credit cards and using a few simple techniques, you can get hundreds of thousands of miles — without any additional spending (you can even earn points just by paying your rent!). These points can then be cashed in for free flights, free hotel stays, and other travel rewards.

I’ve earned countless free flights, upgrades, and hotel stays from travel hacking. By optimizing my spending and paying attention to which cards earn the most points where, I’ve saved thousands of dollars — and you can too!

Here are some resources to help you begin:

Even if you aren’t American, you still have options, as points and miles have gone global:

Points Hack (Australia/New Zealand)
Head for Points (UK)
Prince of Travel (Canada)

Once you have points, use platforms like point.me (for flights) and Awayz (for hotels) to manage them. These platforms help you maximize your points and miles so you earn more free flights and hotel stays.

5. Use the Sharing Economy

A group of budget backpackers relaxing at a pool in a hostel in Central America
The sharing economy has led to a plethora of new money-saving and community-building platforms that have made travel even more affordable, personal, and accessible. It’s never been easier to get off the tourist trail, connect with locals, and experience their pace of life. I live by these websites when I travel! You should too.

Here are some of the best sharing economy sites to help you get started:

Trusted Housesitters – The most comprehensive website to find house-sitting gigs. You watch a place on vacation while the homeowner is on vacation.
EatWith – Allows you to eat home-cooked meals with locals (it’s the Airbnb of food). It always leads to interesting encounters, so it’s one of my favorite things to do.
BlaBlaCar – A ridesharing app that pairs riders with verified locals who have a spare seat in their car.
RVShare – Allows you to rent RVs and camper vans directly from locals.

6. Find the Free!

The world is awash with amazing free travel resources (like this website) that can help you travel on a budget. No matter where you are going, there’s probably a blog post on what to do and see there for free or cheaply. Someone has been there and they’ve written about it! Make the best use of all of them to help you plan your trip.

My favorite search term is “free things to do in X.” You’ll always get a result!

Additionally, don’t be afraid to walk into a hostel — even if you aren’t staying there — and ask them what to do for cheap. Their clientele is budget sensitive, so they always know what to do and where to go for little money.

Local tourism boards will also have tons of info on free things to do as well (more on that below).

7. Stick to Public Transportation

Old tuk-tuks parked together in Sri Lanka
If you’re on a budget, skip the taxis and rideshares like Lyft or Uber. Unless you can lower your cost by sharing a ride with other passengers, public transportation is going to be the most cost-effective way to get around. Not only will it save you money but you’ll get to see how the locals travel too.

Google Maps usually can give you a basic overview of the public transportation options and prices available. You can find information about day passes and/or multi-day passes from your local hostel/hotel staff (as well as from local tourism offices). For cheap intercity travel information, check out Rome2Rio.

8. Use Local Tourism Offices

Local tourist offices are a wealth of knowledge. They exist solely to provide you with information on what to see and do. They often have tons of discounts not found anywhere else and can also keep you updated on local events, free tours, and the best spots to eat. They can help you find public transportation discounts and/or multiday passes too.

Don’t skip the local tourist office! They are a severely underutilized resource.

9. Get Cheap Accommodation

Cozy bunk beds in a hostel dorm room in Europe
Accommodation is one of the biggest fixed costs travelers have, so reducing that cost can lead to big savings on the road. I’m sure many backpackers would sleep in a barn if it were the cheapest accommodation they could find! Heck, I’ve slept in hammocks in national parks to save a buck!

Since you have to stay somewhere every night, reducing this expense can save you a lot of money off the total cost of your trip. Stay in hostels, use Couchsurfing, stay in empty university dorms, camp, or try an Airbnb.

Since there’s a lot of ways to cut your accommodation costs, here are my posts on how to get accommodation deals:

And here are the websites I use to book cheap places to stay:

Booking.com – For finding budget hotels and guesthouses.
Hostelworld – The best site for finding hostels.
Agoda – Another great hotel website, specifically for Asia.
Hotel Tonight – Offers discounted last-minute hotel stays.

10. Eat Cheap

Other than accommodation, food is one of the biggest travel costs. After all, everyone needs to eat. But there are lots of ways to eat on the cheap:

Go grocery shopping and prepare your own meals
Shop at local markets
Use apps to find deals (Yelp, Seamless, LaForchette, TasteCard, RiceBowl)

Also, use the five-block rule. There seems to be this magical wall that surrounds tourist areas. Most people don’t go past it. It’s been my experience that if you walk five blocks in any direction from a major tourist area, you end up losing the crowds and finding the local restaurants.

In my experience, tourist restaurants don’t care about quality since those tourists aren’t coming back. Residents do care so places catering to them need to be better — and more affordable – or they go out of business. Those are the places you want to eat at. Use the above resources to find where the locals eat and avoid crappy food!

11. Travel Like You Live

The majority of people in your destinations don’t spend lots of money per day like tourists do. Neither do you in your day-to-day life. So take that mentality with you. Walk, take public transportation, grocery shop, spend a day in a park, and look for deals. Do the things you do at home every day to keep your costs down.

Too many people get into this mindset that when they go on the road, they just have to spend, spend, spend, spend. That’s not true at all. There’s no law that says you have to spend more. Be smart with your budget — just like you are at home. That will help you save money and prevent you from going home early (and broke).

12. Work & Volunteer to Lower Your Expenses

If you’re a long-term traveler, consider volunteering or doing a work exchange to lower your costs. There are tons of options out there such as farm stays, working in hostels, teaching in schools, and more.

You’ll usually need to commit for a week or more, however, these opportunities enable you to get a much deeper and more nuanced travel experience. Here are some websites to help you find suitable opportunities:

Worldpackers – Worldpackers offers travelers a chance to find volunteer experiences overseas. In addition to hostels, they can help you find experiences with NGOs, homestays, and eco-projects all over the world!
WWOOF – WWOOF (World Wide Opportunities on Organic Farms) is a program that connects you with farms all around the world where you can work in exchange for room and board.
Helpx – Like Worldpackers, Helpx offers exchanges such as farmstays, homestays, B&Bs, hostels, and sail boats.
Workaway – Workaway is a lot like HelpX except it has more paid job opportunities (though it has volunteer opportunities too).

***

While prices may be higher than they were pre-pandemic, there are still plenty of ways to plan a budget trip without breaking the bank. By being flexible, getting creative, and embracing the right mindset, you’ll be able to get out the door in no time. And it won’t cost you a fortune either.

All you have to do is take that first step. Remember, action begets action. Once you start moving, everything else gets easier. So don’t wait!

Book Your Trip: Logistical Tips and Tricks

Book Your Flight
Find a cheap flight by using Skyscanner. It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation
You can book your hostel with Hostelworld. If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

SafetyWing (best for everyone)
Insure My Trip (for those 70 and over)
Medjet (for additional evacuation coverage)

Want to Travel for Free?
Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Ready to Book Your Trip?
Check out my resource page for the best companies to use when you travel. I list all the ones I use when I travel. They are the best in class and you can’t go wrong using them on your trip.

The post How to Travel on a Budget appeared first on Nomadic Matt's Travel Site.

The 9 Best Places to Teach English Overseas

Teaching English Overseas in Asia
Updated: 2/2/2020 | February 2nd, 2020

Every year, tens of thousands of people go overseas and teach English. Young and old, they go for many reasons: to learn about a new culture, make some money to travel, seek adventure, or just experience something new.

The time I spent teaching English overseas in Asia was life-changing. In Thailand and Taiwan, I learned that I could make friends and start a life in a strange place, as well as adapt and thrive in a different culture. It gave me a confidence that nothing else before had ever done. It helped make me a better version of me.

Yet, with seemingly millions of places to teach, most people often wonder: where are the best places to teach English overseas? What countries provide the best experience, pay, or benefits? Here’s my list of where to score a fun, rewarding, and well-paying job teaching English overseas:

Table of Contents

1. South Korea

The view overlooking the city of Seoul, Korea with tree branches in the foreground
South Korea is one of the best places — if not the best — to teach English overseas. Jobs are abundant, the pay averages $1,600-2,600 USD per month, and you get awesome benefits, like a contract completion bonus, free housing, and airfare reimbursement.

A lot of recent college graduates are attracted to Korea because of the money, benefits, and the fact that Korea takes many first-time teachers. If you don’t have any experience, this country is one of the best options for you. As a place to live, Korea has plenty of things going for it: the food is delicious, the country is dirt cheap, and the people are friendly.

Plus you will find lots of other international young expats there. Since you earn so much money in a country with such a low cost of living, most people leave having paid off a substantial portion of their debts! You could easily walk away after a year of teaching with your loans (school or non-school) paid off AND money for travel!

2. Japan

The view overlooking Mount Fuji in Japan with a temple in the foreground
Japan has a reputation for good jobs which means it also attracts as many people as South Korea. Though the years of easily teaching in Japan and making quick cash are long, long over, people willing to stay at least a year can generally save a substantial sum of money.

While the cost of living can eat up a lot of your salary, especially in Tokyo, there are a number of programs out there (including the government’s JET program) that reward long-term teachers with generous benefits and completion bonuses.

Additionally, the Japanese are incredibly friendly and polite, the food is endless gourmet heaven, and the culture is unique. It’s one of my favorite countries in the world.

3. The Middle East

The massive Burj Khalifa and surrounding skyscrapers and roads in Dubai at sunrise
The Middle East lures many teachers in for one reason: its salary packages. Middle Eastern countries offer incredibly large salaries (up to $70,000 USD per year for an experienced teacher), lots of benefits, and no taxes. A teacher can walk away with around $40,000 USD after one year.

However, this is no place for the recent college graduate. These countries want certified and experienced teachers. If you couldn’t teach at a public school in your home country, you have little chance of getting a job in this part of the world. As such, most of the teachers here are older and more settled and have families.

Dubai, Qatar, Abu Dhabi, and Saudi Arabia are the most popular destinations for teaching English in this region.

4. Thailand

The longtail boats of Koh Phi Phi parked in the sand in front of a bright blue sky in Thailand
Thailand attracts lots of young and new teachers with its cheap cost of living, warm beautiful weather, tropical beaches, mouth-watering food, and party atmosphere.

Most of the language school teachers are ex-travelers looking to save for future travels…or travelers who thought they were doing that but ended up never leaving. The pay in Thailand isn’t that high ($1,000–1,500 USD per month), unless you teach in Bangkok or at an international school.

However, teaching English in Thailand isn’t about making lots of money — it’s about everything else: the ease of getting a job, the food, the fun-loving atmosphere, the weather, and everything in between. It’s one of the best destinations for young, new teachers, especially in a larger city, since you’ll fit right in.

5. China

The massive city of Shanghai, China lit up at night
As China rises in global stature, its need for English teacher grows as more and more citizens need to know the language for their job. Moreover, the culture puts an emphasis on learning it. As such, it is one of the easiest places to find work. No matter where you go, you can find work, even in saturated cities like Beijing and Shanghai.

You can earn a decent salary teaching English here (upward of $1,500-2,000 USD a month), and many jobs give completion bonuses, free housing, and airfare reimbursement.

China is the brave new world and a country in constant change. It’s a good location for teachers of all abilities — there’s something for everyone there!

6. Prague

The many old and medieval buildings of Prague, Czechia
Prague has a seemingly abundant supply of teaching jobs. The city has grown in size over the last few years, attracting a variety of tech start-ups and expats, which has created a lot more job opportunities for teachers.

While it’s very hard to get a job in the public school system or a university, there are plenty of language schools in the city to choose from. The pay isn’t as high as other countries in the world and there are few benefits (especially when compared to Asia or the Middle East), but you’re a stone’s throw away from everywhere in Europe.

The city is one of the most beautiful, vibrant, fun, and popular cities in Europe, which makes Prague an excellent central base from which to explore the continent.

7. Spain

A narrow and winding alley in a traditional area of Cataluna, Spain
Teaching in Spain is one of the best opportunities for anyone looking to work in Europe. There are plenty of jobs, the government has an active program for attracting teachers, and your visa means you can freely travel around Europe.

There are also many opportunities to teach private lessons on the side. You don’t get many benefits (or high pay compared to Asia or the Middle East), but the pay is still enough to live off of.

8. Taiwan

Overlooking the massive city of Taipei, Taiwan on a cloudy day
Taiwan is an excellent country to teach English in, thanks to lots of job opportunities (though they tend to be with young kids), high salaries, benefits similar to South Korea, and lots of other young teachers to share a social life with. The country places a high importance on learning English, and you’ll be able to find freelance tutor opportunities besides your regular, steady teaching job!

I loved my time in Taiwan, made some wonderful friends, and adapted to a completely new culture.

9. Teaching English Online

A man sitting alone on a couch working on his laptop
This was something that didn’t exist when I was teaching. Thanks to the Internet, you no longer have to be tied to one location to teach Teaching online is becoming more popular as a way to make money while working remotely. Platforms like Cambly and italki don’t require any teaching degrees either. The pay isn’t great but it’s something that can have you earn enough money to keep traveling.

***
I had a lot of fun teaching English overseas. It was on my favorite experiences on the road and it taught me so much about myself. You gain a lot of perspective on life by living in another culture.

While there is an opportunity to teach wherever English isn’t the native language, the destinations above draw the biggest crowds, offer the best pay, the best perks, and are the most fun.

If you are thinking about becoming an English teacher overseas, my advice is to head to one of these destinations and just do it!

Ready to Make Money Overseas? Get My Comprehensive Guide

This digital guide will put you ahead of your competition, help you land a high-paying job with a reputable company, and give you first-hand knowledge from real teachers! Get started today with this downloadable PDF (for your computer, e-reader, or mobile device) with the book PLUS 12 interviews about life as a teacher, plus job advice from one of the industry’s top recruiters!

Download eBook

Book Your Trip: Logistical Tips and Tricks

Book Your Accommodation
You can book your hostel with Hostelworld as they have the largest inventory. If you want to stay somewhere other than a hostel, use Booking.com as they consistently return the cheapest rates for guesthouses and cheap hotels.

Don’t Forget Travel Insurance
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. I’ve been using World Nomads for ten years. My favorite companies that offer the best service and value are:

World Nomads (for everyone below 70)
Insure My Trip (for those over 70)

Looking for the best companies to save money with?
Check out my resource page for the best companies to use when you travel! I list all the ones I use to save money when I travel – and that will save you time and money too!

The post The 9 Best Places to Teach English Overseas appeared first on Nomadic Matt's Travel Site.

12 Ways to Be Prepared for Anything While Traveling

When I was a kid, I was a Boy Scout. I made it pretty far too, but then I became a teenager, decided it was “lame,” and quit. As a Boy Scout, I learned how to tie knots, camp outdoors, be a good citizen, play with knives, and got to have cool sleepovers. One of the most important things you learn as a Boy Scout is their motto to always “be prepared,” and as I’ve grown up and traveled the world, I’ve found this to also be a travel truism. You never know what might happen on the road. Stepping out your door into the unknown is what makes travel so exciting. Each day brings endless possibility, but that possibility is for both good and bad. You may end up enjoying a day sightseeing in Paris — or getting robbed in Berlin. You may spend an amazing day on the beaches of Thailand — or suffer food poisoning in Costa Rica. But if you’re prepared, you’ll be able to face whatever happens to you on the road:

1. Take Multipurpose Gear

Packing multiuse gear ensures you can easily adjust to changing conditions and helps reduce the amount of clothing you need to take. For example, I like pants that zip off into shorts, walking shoes that look nice enough for an evening out, and using my swim trunks as a pair of shorts. This saves room in my bag while money since I don’t need to buy as much stuff. This always ensures you are dressed for any occasion (after all, who knows when you’ll suddenly find yourself invited to party?!). Here are some posts on gear that can help you:

2. Carry a Small First Aid Kit

While we live in 2019, not 1919, and you can find modern medicine anywhere in the world, I always carry a small first aid kit with me with a few essential items to be safe. I take Tylenol, stomach illness medicine, eyedrops, Band-Aids, scissors, hydrocortisone cream, antibacterial ointment, and a small supply of doctor-approved antibiotics. I’m usually able to find a pharmacy when I need one, but in case of an emergency, it’s good to have these items handy. Here’s a detailed guide on putting together a first aid kit. (And, on a similar note, here are 10 ways to avoid getting sick on the road.)

3. Pack a Small Flashlight

You’d be surprised how many travelers don’t carry one, but a flashlight will prove to be invaluable when you suddenly decide to go caving in Panama, when your hike lasts longer than expected and nightfall sets in, or when the electricity goes out unexpectedly, which is not uncommon in a lot of places. I carry a small, waterproof pen flashlight when I travel.

4. Carry a Reusable Water Bottle (with a Filter)

Water is life, and while it’s unlikely you’re going to be lost out in a desert or the jungle, it always pays to be prepared. Carrying a reusable water bottle and filter will not only save you money as a traveler, but it will also prevent tons of single-use plastic from ending up in landfills or the ocean. And yes, should an emergency arise you’ll be prepared. Most people can survive for 3 weeks without food — but you’ll only make it 3 days without water. Never leave home without a reusable bottle and filter, such as a SteriPen or LifeStraw.

5. Learn Basic Phrases

Locals don’t expect you to be an expert in their language, but knowing how to say “hello,” “goodbye,” and “thank you” go a long way in endearing yourself to locals. After all, wouldn’t you be annoyed if someone came to your home and expected you to know their language? Knowing a few key phrases will not only make interactions easier, but it will also help you when you bargain for goods, order food, get lost, or need help. Lonely Planet makes excellent pocket language guides for just about every language spoken, and Benny Lewis wrote this excellent guide on learning languages.

6. Study Nonverbal Communication

Most people interact using both verbal and nonverbal communication, so paying attention to facial expressions can help you appropriately read a situation, even if you don’t understand the verbal part. When you don’t know the language or might take words out of context, keep calm and take a moment to read the feelings of the person. This has helped me defuse tense situations with taxi drivers, vendors, and hotel owners. Understanding nonverbal communication doesn’t happen overnight. It takes practice, but these websites offer:

7. Keep Emergency Cash with You

While there is almost always an ATM around these days, you never know when emergency cash might come in handy. You could end up in an airport (like I recently did) and find that none of your ATM cards work and you are stuck without any money. I recommend having a stash of $200 USD for emergency situations. I don’t carry this money around but leave it in my hotel room safe in case something happens. It will be useful if you get robbed or lose your wallet.

8. Have Backup Credit and Bank Cards

I always keep one backup credit card and bank card with me in case of emergencies. You never know when one bank might decide to lock your account for suspicious activity without telling you (yes, that has also happened to me) or when you might get robbed. I recently had my bank account information stolen while I was traveling in Europe. My bank had to deactivate my card, and if I hadn’t had a second one with me, I wouldn’t have had access to any money. Here are some helpful blog posts on credit cards and banking for you:

9. Make Copies of Your Passport and Important Documents

Keeping copies of your documents can come in handy during an emergency, especially if you lose your originals. If you get robbed or lose your passport, having copies ready for officials can make filing police reports and obtaining new documents much easier. When I lost my passport, my backup copies helped with my police report and served as my proof of identity at the American embassy. Copy your passport, your health/travel insurance paperwork, and your credit cards.

10. Carry a List of Emergency Contacts

If something happens to you, having a list of emergency numbers on you will help medical professionals know who to contact. I also keep a list of my allergies with me so if I need treatment and can’t answer questions, doctors know what I’m allergic to. I keep two copies: one with me and one in my bag in my hotel room. Because having backups are important!

11. Have Travel Insurance

The ultimate form of preparedness, having travel insurance will be a blessing when you have to go to the hospital because you popped an eardrum scuba diving, get sick on the road, or break a leg. Chances are nothing is going to happen to you while traveling, but for when it does, you are going to want to have insurance. Only a fool travels without it. Here’s a list of suggested articles on how to pick the best travel insurance:

12. Read Before You Go

There’s nothing more important than knowing about the place you’re visiting. Head to a library or bookstore and get a few books on what life is like where you’re going. If someone came into your home and ignored all your rules, you would get upset — the same guidelines are applicable when you travel overseas. Knowing basic rules and etiquette can help you avoid any misunderstandings and leave a favorable impression in your host’s minds. Otherwise, you could end up like this British couple who were jailed for kissing in public in Dubai. (That’s a big no-no in Middle Eastern countries.) *** You never know when you might face the unexpected, and if there’s one thing I’ve learned from my years of traveling, it’s that even the best-laid plans can go awry. You may not use these items all the time, and, hopefully, you won’t ever need some of them, but the point is to be ready when you do. After all, a scout is always prepared.

How to Travel the World on $50 a Day

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Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner or Momondo. They are my two favorite search engines because they search websites and airlines around the globe so you always know no stone is left unturned. Book Your Accommodation You can book your hostel with Hostelworld as they have the largest inventory. If you want to stay somewhere other than a hostel, use Booking.com as they consistently return the cheapest rates for guesthouses and cheap hotels. I use them all the time. Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. I’ve been using World Nomads for ten years. My favorite companies that offer the best service and value are:

World Nomads (for everyone below 70)
Insure My Trip (for those over 70)

Looking for the best companies to save money with? Check out my resource page for the best companies to use when you travel! I list all the ones I use to save money when I travel – and that will save you time and money too!

How to Avoid Paying Bank Fees While Traveling

An ATM lit up at night against a purple brick wall
Updated: 8/22/2019 | August 22nd, 2019

Saving money for travel is one of the biggest obstacles that keeps people rom realizing their travel dreams.

Yet, all too often, I see travelers throwing money away in avoidable bank fees.

Banking overseas is more than just putting your card in an ATM and taking out money. There is a lot more to consider — especially if you want to become a savvy traveler!

When you travel on a budget, banking overseas involves knowing three things:

How to avoid paying bank fees.
How to eliminate foreign transaction charges.
How to get a good exchange rate.

I know too many people who travel abroad and end up paying obscene ATM fees and credit card transaction fees. All because they didn’t do their research and plan ahead.

In 2019, there’s absolutely no need for it. You didn’t save up all this money in order to give it the banks, right? I know I didn’t. I want to keep it all for myself because every avoided fee is more money for food, drinks, and activities on the road!

Want to save more money on your next trip abroad? Here is how you eliminate ALL bank fees when you travel in 5 easy steps!

Table of Contents

1. Eliminate ATM Fees

ATM fees can really add up — especially if you’re traveling for weeks or months at a time. Let’s think about it: While you’re on the road, you will probably withdraw money from an ATM twice a week. Fees vary around the world, but on average you end up paying around $3-5 USD per withdrawal. That is $10 per week, $40 per month, or $520 per year! Do you know how many days you could spend in Southeast Asia for that amount? Almost 3 weeks!

Even if you only use the ATM half the time, that’s still $260 USD per year. And most travelers I know go to the ATM even more than twice a week, which only increases the amount in fees they pay. Why give banks money you need for travel? You did a lot of work saving your money — don’t waste it by giving it to a bank.

To help you avoid fees, here are four things you’ll want to do on your next trip to eliminate those pesky fees:

First, pick a bank in the Global ATM Alliance. This is a network of large banks that have come together and waived fees and allows for free ATM withdrawals. While they have the high fees ($5 USD per withdrawal) for banks outside their network, by using partner ATMs you can avoid ATM charges entirely.

Below is a list of major banks in this alliance:

Bank of America (United States)
Barclays (England, Wales, Spain, Portugal, Gibraltar and certain countries in Africa)
BNP Paribas (France, Ukraine, Turkey, Poland, Morocco, Italy, New Caledonia, Réunion, Guyane, Guadeloupe, Martinique, and Luxembourg)
Deutsche Bank (Germany, Poland, Czech Republic, Spain, Portugal and Italy)
Banca Nazionale del Lavoro (Italy)
Scotiabank (Canada, Caribbean, Peru, Chile, and Mexico)
Westpac (Australia, New Zealand, Fiji, Vanuatu, Cook Islands, Samoa, Tonga, Papua New Guinea, and Solomon Islands)

Be sure to check with your local bank on specific coverage areas. There are some exceptions, i.e., if you use your Barclays card in one country, there might not be a fee, but in another, there may be. Other fees, such as an international transaction or foreign currency fee, may also still apply so double-check before you go!

Note: Bank of America charges a 3% foreign transaction fee on all withdrawals not in USD.

Secondly, if you are a US resident, the best bank to use is Charles Schwab.

Why?

Charles Schwab has no fees and reimburses all your ATM fees at the end of each month. You will need to open a high-yield checking account in order to qualify, but there is no minimum deposit required and no monthly service fee. Their ATM card can be used in any bank machine around the world, and you’ll never pay a fee. This is my primary bank card and I’ve been using it for years. Since getting it, I’ve avoided all ATM fees. It’s literally saved me thousands of dollars over the past decade of traveling the world.

Third, get a low-fee card. I use HSBC as my backup because HSBC has ATMs all over the world and charges only $2.50 USD per ATM transaction when you use a non-HSBC ATM. While it’s not as good as zero, it’s still better than what a lot of other banks charge. Additionally, Capital One doesn’t charge any withdrawal fees, but you do have to pay any fees charged by the local bank.

Finally, ask your local bank or credit union. Not charging ATM fees has become a widespread practice over the last few years, so make sure to ask your local bank.

Here are some suggested ATM cards for non-US travelers:

Canada: Scotia or Tangerine are a part of the Global ATM Alliance.
Australia: ING, Citibank, or HSBC have no feed cards.
UK: UMonzo or Starling let you avoid ATM fees abroad.

If you are looking for other ways to cut wasteful expenses on the road, visit this collection of all my best tips for further money savings.

2. Avoid Credit Card Fees

The next major fee we need to get rid of is the credit card foreign transaction fee. Most credit cards charge a 3% fee on purchases made overseas. That can add up since most of us use our credit card for everything. It’s become a lot more common for credit cards to waive that fee since if you use your card a lot overseas, you’ll probably use it a lot anywhere. My favorite no overseas transaction fee cards are the Chase Sapphire Preferred, Barclay Arrival Plus, Capital One, and Citi Premier. (For more suggestions, you can find all my favorite travel cards here.)

If you use these cards overseas, you won’t pay 3% and you’ll save a lot of money!

For non-US citizens, check the following websites that list cards that might not charge any overseas fees:

3. Minimize the Exchange Rate “Penalty”

Every time you use your card overseas, your local bank coverts the transaction into your local currency for billing purposes and takes a little off the top for doing so. Thus the official rate you see online is not what you actually get. That’s the interbank rate, and unless you become a major bank, you’re not going to get that rate. All we can do is get as close as we can to that rate. To avoid being on the real losing end of conversion, follow the following tips:

Use a credit card — Credit card companies get the best rates. Using a credit card will get you an exchange rate closest to the official interbank currency rate so avoid an ATM or cash if you can.

Use an ATM — ATMs offer the best exchange rate after credit cards. They aren’t as good as credit cards since commercial banks take a little more off the top, but it’s much better than exchanging cash. Money exchange offices offer the worst rates because they are so far down the food chain, they can’t get the best exchange rate (plus, they usually charge a commission as well).

Don’t use ATMs in weird locations — Using those ATMs you find in hotels, hostels, local 7-11s, or some other random place is a bad idea. They’re convenient, but you’ll pay for that convenience. They always charge high ATM fees and offer horrible conversion rates. Skip those ATMs and find a major bank.

Here’s a video that highlights just how sneaky these companies can be:

4. Don’t Change Money at Airports

Most exchange bureaus in airports are so far down the financial food chain they don’t have the clout to offer good exchange rates. The rates you see at airports are the worst — never, ever use an exchange bureau there unless you absolutely have to. Another tip: avoid using the company Travelex at all costs — they have the worst rates and fees. Never, never use them. Avoid their ATMs too!

5. Always Pick the Local Currency

When you use your credit card abroad, you will often be given the option to be charged in your home currency (i.e., instead of being charged in euros, they will charge you in US dollars). Never say yes. The rate at which they are converting the currency is always worse than the rate your bank will give you. Pick the local currency and let your credit card company make the conversion. You’ll get a better rate and save some money in the process.

6. Don’t Get Currency at Home (and Skip Foreign Currency Cards!)

While buying currency at home might seem like a good idea, you’ll end up getting a worse exchange rate. Unless you are 100% sure you’ll need cash right on arrival, avoid exchanging money in your home country. Airports all have ATMs where you can withdraw money. You can get a much better rate when you do that. Don’t get currency before you go.

Additionally, avoid any “foreign currency cards” (like those offered from currency exchange companies) where you can pre-load money at a set exchange rate. The rates given are also terrible and they often have all sorts of additional fees. Doing this basically is trying to predict the exchange rate. You’re hoping it doesn’t get worse when you travel but what if it gets better? You don’t know either way. That’s exactly why you shouldn’t get these cards.

***

Bank fees can add up to some serious money over the course of a long trip. If you want to save money, you need to be proactive when it comes to banking and currency exchanges. A little planning can go a long way and save you a ton of money over the weeks, months, and years of your travels.

I see too many travelers visit the ATM all the time without paying attention to the latest exchange rates. You’re on the losing end of the stick that way. Be smart and bank smart. I haven’t paid a bank fee while traveling the world in over ten years and you shouldn’t either.

And with these simple tips, you’ll never have to again.

WANT MORE? HERE ARE OTHER IMPORTANT TRAVEL TIPS TO HELP YOU SAVE MONEY:

How to Travel the World on $50 a Day

Click here to learn more about the book and get your copy today!

Book Your Trip: Logistical Tips and Tricks

Don’t Forget Travel Insurance
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. I’ve been using World Nomads for ten years. My favorite companies that offer the best service and value are:

World Nomads (for everyone below 70)
Insure My Trip (for those over 70)

The post How to Avoid Paying Bank Fees While Traveling appeared first on Nomadic Matt's Travel Site.

Can You Teach English Abroad Without a TEFL?

A ESL teacher giving a lesson in a classroom
Posted: 5/18/2019 | May 18th, 2019

Whether you’re wanting to kick-start a new career or to just work a short-term job until you have enough money to travel again, teaching English abroad is an option that allows you to do all those things. I taught English abroad for two years and it was one of the best experiences I had. It taught me a lot about myself and the world around me.

But how do you teach overseas?

Most would-be ESL (English as a Second Language) teachers obtain what’s known as a TEFL certificate before they begin their job hunt.

But is that really necessary?

This is a question I’m asked a lot (especially since I don’t have a TEFL yet I taught in two countries).

Can you teach English abroad without having a TEFL certificate?

In this post, we’ll examine whether it’s a requirement or not and I’ll give you tips on how to find a job without one.

Table of Contents

1. What is a TEFL Certificate?

TEFL stands for “Teaching English as a Foreign Language.” It’s a certificate program that teaches you the nuts and bolts of how to teach English as a foreign language. The typical TEFL certificate program will focus on a variety of aspects of language teaching, including practical skills, such as how to teach vocabulary and grammar, using games effectively, and keeping the kids engaged, as well as classroom management.

Most TEFL courses run from a few weeks to a few months, both in person all around the world and online, making them a convenient option for anyone already on the road who is looking to make some money by teaching English.

However, with so many centers offering TEFL training, the quality (and price) can vary drastically from region to region.

For that reason, before you sign up for any certificate program, you should always read reviews and do some research to make sure the program you choose is accepted around the world. Some schools don’t recognize certain training programs, so if you have a particular school you want to teach at in mind, you’ll want to make sure the TEFL program you pick will be accepted there.

That being said, the overwhelming majority of schools will accept all certificates. It’s usually just the top-tier schools and/or government programs that are more picky.

Another important consideration is that some schools and government programs will require you to have a certain number of classroom-based TEFL hours. As a general rule, the more classroom hours in a course, the better that course is (and the more expensive it will be). Not only will it increase your odds of getting hired but it will make you a better, more competent teacher.

Prices for TEFL courses range between $300 and $2,000 USD. Courses offered in the USA, Canada, Australia, and Europe are often much more intensive and more expensive, especially if they are in-person classes.

If you plan to teach long-term, I would suggest you take a 120-hour course (the industry standard), at least 20 hours of which you’ll spend in a classroom setting. If you are just looking for something temporary, an online certificate will likely suffice.

2. What are the Requirements for Teaching Abroad?

Fortunately, there are not many requirements to get started teaching English abroad. However, they vary from country to country, so you’ll need to do some research on where you’re looking to teach.

Generally speaking, to teach English abroad, it helps a lot if you:

Are a native English speaker from an English-speaking country
Have a bachelor’s degree
Have a TEFL certificate (or a CELTA or TESOL, two other ESL certificates)
Have some teaching experience (though this is optional)

Most jobs will require you to be a native English speaker from one of the following countries: the UK, the US, Canada, Australia, New Zealand, Ireland, or South Africa.

That being said, some countries might hire you if you’re from another country where English is fluently spoken or if you can demonstrate expert knowledge of the language. But it will be an uphill battle, so be prepared to really show off your skills if you’re not from one of the above countries.

You’ll find this bias to be especially prominent in Asia. There, also being young, white, or female are the most sought-after qualities for teachers. Is that fair? Not really. But it’s just how the system works, so keep that in mind when searching for jobs.

3. So, Do You Need a TEFL Certificate to Teach Abroad?

Maybe.

Not always.

It depends really.

Why is that? Because every country is different – and every school is different too so it depends on how high up the food chain you want to go!

If you don’t have a TEFL certificate but instead have a TESOL certificate or CELTA, you can find a job without any trouble. Without any of those certifications, you’ll have much more limited options.

Some countries will still have job opportunities for you, but they won’t pay as well, and you’ll likely have fewer hours or subpar working conditions. For example, you can work from home teaching English online; however, the pay isn’t great and there is a lot of competition.

And many smaller schools and language institutes don’t really care. I once knew a kid who didn’t have a TEFL or college degree and got a job at a public school in Thailand.

But the higher you go up the ladder, the more limited your options are. International schools, universities, and high-end language institutes probably won’t hire you without one.

A way around this is to be a certified teacher. If you’re a certified teacher, then you can basically get any job you want without a TEFL.

But, assuming that is not the case, there are plenty of entry jobs for teachers so long as you have a university degree.

6 Places to Teach Without a TEFL

If you decide you want to teach overseas without a TEFL certificate, your options are limited but not impossible, especially if you have a university degree.

1. South Korea – South Korea is one of the best places to teach English overseas. The pay is high, the jobs are plentiful, and you get awesome benefits (such as a contract completion bonus, healthcare, free housing, and airfare reimbursement). You’ll also find lots of expats there, so it’s easy to make friends and find community. With a TEFL and a Bachelor’s degree, you can expect a much better salary.

2. Japan – Much like South Korea, Japan has a reputation for good jobs. While the cost of living can eat up your salary in cities like Tokyo, there are a number of programs (such as the government’s JET program) that reward long-term teachers with completion bonuses and generous benefits. You’ll need to have a Bachelor’s degree to secure the best positions, and a TEFL will give you much better job opportunities and a higher salary though.

3. Thailand – Not surprisingly, Thailand attracts lots of young teachers with its cheap cost of living and warm, beautiful weather. The pay in Thailand isn’t that high (unless you teach in Bangkok or at an international school). But teaching English in Thailand isn’t about making lots of money — it’s about everything else: the ease of getting a job, the food, the fun-loving atmosphere, the weather, and everything in between. It’s one of the best destinations for young new teachers.

4. China – As China continues growing, its need for English teachers also increases. As such, it is one of the easiest places to find work — regardless of your skill level or experience. No matter where you go, you can find a position, even in saturated cities like Beijing and Shanghai. The pay can vary wildly, but this is a great place for new teachers to cut their teeth and test the waters of teaching ESL.

5. Spain – Spain offers some of the best opportunities for teachers looking to work in Europe. There are plenty of jobs, the government has an active program for attracting teachers, and your visa means you can freely travel around Europe. The competition has grown in recent years, but there are still plenty of jobs — and you can often teach private lessons on the side. You won’t get as many benefits as you would in Asia or the Middle East, but the pay is still enough to live off of.

6. Central America – If you’re new to teaching English abroad, Central America is a great place to find entry-level positions. You can usually find jobs here even if you don’t have all of the suggested qualifications, though the pay will be reflective of that. While you won’t make a lot of money there, you’ll be able to enjoy the amazing weather and laid-back lifestyle, which is a fair trade-off in my opinion!

***

For those looking to work abroad and incorporate more travel into their lives, teaching English overseas is an excellent option. With opportunities in incredible destinations, competitive salaries, and the ability to explore new regions of the world, it’s no wonder that this job market has been booming in recent years.

Whether you’re looking for a new career or just a short-term job to help you travel more, teaching English abroad can help. Sure, it takes some preparation. But the rewards are well worth the effort.

Not only will you get to live out your dreams of seeing the world, but you’ll also be providing children with the skills and knowledge they need to succeed in their future. And that is a worthwhile reward in and of itself.

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Book Your Trip: Logistical Tips and Tricks

Don’t Forget Travel Insurance
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. I’ve been using World Nomads for ten years. My favorite companies that offer the best service and value are:

World Nomads (for everyone below 70)
Insure My Trip (for those over 70)

The post Can You Teach English Abroad Without a TEFL? appeared first on Nomadic Matt's Travel Site.