flipping out about money - TravelPUNK Backpacker College Student Budget Travel Message Boards!



Go Back   TravelPUNK Backpacker College Student Budget Travel Message Boards! > Members Lounge > General Travel Tips, Education, Advice > Travel Budget, Money Matters, Financial Talk

Travel Budget, Money Matters, Financial Talk Mom, can I borrow ten grand?! Gimme yo mastercard! How the heck can I pay for my trip?! Ideas for making money. How much dough do I need?

Raileurope.com: See Europe by train
Reply
 
LinkBack Thread Tools Display Modes
Old 05-21-2008, 08:47 AM   #1
TPunk Moderator
 
pinknic38's Avatar
 
Join Date: Jun 2006
Location: Sierra Vista, AZ
Posts: 2,857
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to pinknic38 Send a message via Yahoo to pinknic38 Send a message via Skype™ to pinknic38
Default flipping out about money

So we're down to crunch time (I leave in 22 days for my Europe trip) and I've been hit with some crazy news. They've been over paying me (aka, still paying me combat pay) for 3 months now and apparently they're taking 2K out of my bank account which will leave me with about 500 bucks in the bank. I get paid 1 more time before I leave and then again once I'm there for 2 days, but they're pro-rating my pay for the additional overpay, so my paychecks have been like not even $400 and that together is my car & insurance & cable bill!

I am flipping out!

I have deposits on all my hostels, airfare is paid, most transportation is paid for with the exception of going to Munich from Stuttgart on the train and going from Cologne to Frankfurt at the end of my trip via train. And of course the Celine ticket is paid for. I'm going to be there 15 days (4 days in London, 4 days in Germany, 4 days in Poland, 3 days in the Czech Republic)... what is fucking reasonable tight budget? I know I'll be hurting in London the most, but I don't know what I'm looking at expense-wise. I was plannign on doing a bike tour of Munich and I think that's like 15 euros, and the tour to Auschwitz and then Jewish Krakow the next day amounts to like 10 USD and that's all I really had organized. I don't eat 3 meals a day normally and I won't there.

Anyway right now I am FREAKING OUT about money. I think I might have to open a credit card just to go! I almost was just not going to go, but I bought that Celine ticket and can't sell it so I'm fucking going, if I have to sleep outside and eat dirt for 15 days.

Any thoughts, advice, etc?
__________________
SO FAR: USA, Canada, Mexico, Ireland, Spain, Germany, Poland, Hungary, Kuwait, Qatar, Afghanistan, Kyrgyzstan
UP NEXT: Mexico, Belize, Honduras, Grand Cayman Islands - Feb 2012


tpunk gallery * twitter
pinknic38 is offline   Reply With Quote
Old 05-21-2008, 09:34 AM   #2
TPunk Recognized
 
MeTurk's Avatar
 
Join Date: Mar 2005
Location: Ireland
Posts: 1,590
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via Skype™ to MeTurk
Default

Couchsurfing. You'll lose the deposit but that's small compared to the full cost of the hostels.

You might also get fed, you could even offer to cook the food for them (as long as you can use their food)

I'd recommend it, if you get with good people they can show you how to live cheap like a local.
__________________
"It's nice to have a nun around. Gives the place a bit of glamour." Fr Ted
Couchsurfer (:_irritainment_
MeTurk is offline   Reply With Quote
Old 05-21-2008, 09:58 AM   #3
TPunk Recognized
 
ajb3000's Avatar
 
Join Date: May 2005
Location: London, England
Posts: 502
Thanks: 0
Thanked 1 Time in 1 Post
Default

I also highly recommend couchsurfing. I've had a few guests and always fed them, shown them around town and taken them to the cheap student drinking spots and such. I've also had similar experiences while staying with others. Plus you have an instant group of new friends when you go out.

I don't know how it works in USA but can you not get a low interest overdraft that can be automatically repaid when you get paid next?
__________________
Where I've been: Albania, Australia, Belguim, Bosnia and Herzegovina, Brazil, Bulgaria, Cambodia, Canada, Colombia, Croatia, Czech Republic, Denmark, Egypt, Ethiopia, Finland, France, Germany, Greece, Holland, Hungary, India, Indonesia, Iran, Iraq, Ireland, Italy, Japan, Jersey, Jordan, Kosovo, Kyrgyzstan, Laos, Latvia, Lebanon, Macedonia, Malaysia, Mexico, Moldova, Monaco, Morocco, Poland, Portugal, Romania, Russia, Serbia, Seychelles, Singapore, Slovenia, Somaliland, Spain, Sudan, Sweden, Switzerland, Syria, Thailand, Transnistria, Turkey, Turkmenistan, United Arab Emirates, United Kingdom, United States, Ukraine, Uruguay Uzbekistan, Vatican City, Vietnam, Yemen

Where I'm going: Cyprus (June 2013)
ajb3000 is offline   Reply With Quote
Old 05-21-2008, 11:55 AM   #4
The Finisher
 
epicballa's Avatar
 
Join Date: Aug 2004
Location: NYC
Posts: 97
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to epicballa
Default

let me get this straight, they made a mistake and overpaid you, and then they just took it out of your bank account? that seems pretty f'd up.
epicballa is offline   Reply With Quote
Old 05-21-2008, 12:04 PM   #5
TPunk Moderator
 
Elizabeth's Avatar
 
Join Date: Mar 2005
Location: USA
Posts: 1,401
Thanks: 0
Thanked 3 Times in 2 Posts
Default

wow nicole that sucks!

If you're going the CS route start sending your CS requests now. Make sure you don't overly talk about money and make sure you read about how to write a couch request cuz people can sniff out if you've sent a mass request and whatnot and will deny you on that basis. Try to fill out your profile as much as possible.

You probably will want some nights in hostels b/c 95% of the time you have to leave with your host when they go to work and if u wanna stay out all night you can't.

Instead of taking the train you may want to look for rideshares on the german version of craigslist (forgot what its called at the moment)
Elizabeth is offline   Reply With Quote
Old 05-21-2008, 12:33 PM   #6
TPunk Moderator
 
pinknic38's Avatar
 
Join Date: Jun 2006
Location: Sierra Vista, AZ
Posts: 2,857
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to pinknic38 Send a message via Yahoo to pinknic38 Send a message via Skype™ to pinknic38
Default

Quote:
Originally Posted by epicballa View Post
let me get this straight, they made a mistake and overpaid you, and then they just took it out of your bank account? that seems pretty f'd up.
yeah well that's the way the military does things.

I wonder if there is a way to get a different return ticket, to come back earlier...
__________________
SO FAR: USA, Canada, Mexico, Ireland, Spain, Germany, Poland, Hungary, Kuwait, Qatar, Afghanistan, Kyrgyzstan
UP NEXT: Mexico, Belize, Honduras, Grand Cayman Islands - Feb 2012


tpunk gallery * twitter
pinknic38 is offline   Reply With Quote
Old 05-21-2008, 12:57 PM   #7
The Finisher
 
epicballa's Avatar
 
Join Date: Aug 2004
Location: NYC
Posts: 97
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to epicballa
Default

when i last went to europe i was able to change the date of my return flight for something like a $50 fee. i'm not sure if all airlines allow this.
epicballa is offline   Reply With Quote
Old 05-21-2008, 03:38 PM   #8
Mod
 
aliz's Avatar
 
Join Date: Feb 2006
Location: Australia
Posts: 1,216
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via MSN to aliz
Default

I can't believe I'm saying this, but I'd get a credit card for the trip. You have worked so hard for this and I know you've been looking forward to it for so long, I don't want to you feel like this whole holiday is a burden just because you paid for it and you 'have to' go. Even if you do the whole trip on the cheap, I think having a little bit of credit to fall back on would make it more relaxing when you get back. I've always thought 'real credit cards' (ie, the ones where you spend money you don't have, rather than the credit/debit kind I have) are a terrible idea, but in this case it seems like the solution for you. this way you can at least postpone this freakout until you get back. You really should enjoy this holiday
__________________
www.bell-street.com
aliz is offline   Reply With Quote
Old 05-21-2008, 04:50 PM   #9
TPunk Moderator
 
pinknic38's Avatar
 
Join Date: Jun 2006
Location: Sierra Vista, AZ
Posts: 2,857
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to pinknic38 Send a message via Yahoo to pinknic38 Send a message via Skype™ to pinknic38
Default

Quote:
Originally Posted by aliz View Post
I can't believe I'm saying this, but I'd get a credit card for the trip.
I know!!! Thanks, though. It makes me sick to have to worry about money because normally I am very good with my money and always make sure I have some, and reward myself when necessary and this whole thing is stupid. Had they told me in February this would happen, I wouldn't have spent like that! Killing me.

I talked to my mom forever about finances and she said the same thing. This very little pay is killing me but by July I will be back to normal. My only bills are car, insurance, and cable, which all together is like 400ish. Once I'm in school I will have even less because I'm going to be living with my aunt for free the first year. If I end up moving to Hawaii instead of Ohio, then I'll be banking from housing pay and cost of living pay anyway, so I will be able to pay it off in less than a year.

So I went through USAA and opened up a Master Card... I dunno if they take that in Europe - hope they do! I'll have to figure out how I can use it in an ATM. Sigh. Just when I spent a whole year debt-free, now I have a car payment AND a credit card payment. LOL. Oh well, my recent college grad friends are worse off than me so I think I can take it. A good trip is worth eating Ramen and drinking tap water for a few months haha.

Though I am going to try to Couch Surf while I'm in London to cut back a little, thanks for the suggestions guys, I didn't even think about that. I'm not trying to go out there and max out a credit card. And a lot of the things I want to do (like look around and take pictures and see some sweet shit) is free. Just like you said though, this is my big trip and I don't want to spend the whole time worrying about over drawing my bank account. I think I am going to talk to my boss who is good at budgeting and try to figure out some sort of system so I am not totally reliant upon that.
__________________
SO FAR: USA, Canada, Mexico, Ireland, Spain, Germany, Poland, Hungary, Kuwait, Qatar, Afghanistan, Kyrgyzstan
UP NEXT: Mexico, Belize, Honduras, Grand Cayman Islands - Feb 2012


tpunk gallery * twitter
pinknic38 is offline   Reply With Quote
Old 05-21-2008, 05:42 PM   #10
TPunk Recognized
 
offhegoes03's Avatar
 
Join Date: May 2006
Location: Nashville, TN
Posts: 575
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to offhegoes03
Default

I usually do not like the idea of spending money that I don't actually have in my bank account, but since you've already invested in this trip, you should definitely enjoy it. It sounds like you are responsible and you will have money coming in when you get back, so go for it. I'm pretty sure Visa and Mastercard are widely accepted throughout Europe.
__________________
Life's a garden, dig it - Joe Dirt

Barcelona and Beyond, My 2008 European Blog:
http://www.travelpunk.com/blogs/offhegoes03
offhegoes03 is offline   Reply With Quote
Old 05-21-2008, 06:11 PM   #11
TPunk Moderator
 
pinknic38's Avatar
 
Join Date: Jun 2006
Location: Sierra Vista, AZ
Posts: 2,857
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to pinknic38 Send a message via Yahoo to pinknic38 Send a message via Skype™ to pinknic38
Default

I don't like to either, which is why I don't have credit cards but this is my reward to myself after a 15 month deployment and I'm not going to give myself 12 ulcers over money.

And it isn't like I'm going to treat it like "oh look, free money!" either. But I would like to live on more than granola bars and water for 15 days haha.
__________________
SO FAR: USA, Canada, Mexico, Ireland, Spain, Germany, Poland, Hungary, Kuwait, Qatar, Afghanistan, Kyrgyzstan
UP NEXT: Mexico, Belize, Honduras, Grand Cayman Islands - Feb 2012


tpunk gallery * twitter
pinknic38 is offline   Reply With Quote
Old 05-21-2008, 06:17 PM   #12
Artist of Life
 
Canadian Bacon's Avatar
 
Join Date: Jul 2004
Location: Ottawa, Canada aka O-town
Posts: 1,531
Thanks: 0
Thanked 3 Times in 3 Posts
Default

God damn, that's rough Nicole.

Now might be the time to check any military special rates for loans in banks, or credit unions? Maybe you can get some credit ahead of time?

When is the next time you get paid? Can you count on a boost while on the road?

Alternatively you can grovel to your friends or family... I'm sure at least one of them will pity your situation after serving the nation for 15 months... maybe?

Good luck
CB
__________________
Vincent: "So what you gonna do?"
Jules: "Well, basically, I'm just gonna walk the earth."
Vincent: "What you mean 'walk the earth'?"
Jules: "You know, like Kane in 'Kung Fu'...go places...meet people...get in adventures."

Trips (only counting recreational travel):
FIRST TRIP (2005): FIRST EUROTRIP EVER! UK, France, Spain, Italy, Germany, Holland
SECOND TRIP (2007): First Solo Trip! Greece, Turkey, Syria, Spain
2008: China (Beijing, Shanghai, Yangshuo) ...right before the Olympics!
2009: Japan & HK, Southern Spain
[size=1]2010: All over Lebanon, Ibiza (Spain), Oktoberfest (Germany), Thailand.
2011: India (Goa), Jordan, Jerusalem, San Sebastian (Spain), Amsterdam (again), London, Driving from Vancouver to L.A. (stopping in Portland, Seattle, San Fran and all the little stops), Montpellier (France), Geneva and Lausanne (Switzerland)

"Bite off more than you can chew, then chew it."
Canadian Bacon is offline   Reply With Quote
Old 05-21-2008, 06:21 PM   #13
TPunk Moderator
 
pinknic38's Avatar
 
Join Date: Jun 2006
Location: Sierra Vista, AZ
Posts: 2,857
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to pinknic38 Send a message via Yahoo to pinknic38 Send a message via Skype™ to pinknic38
Default

I can hit up my mom for like 100 or 200 bucks but that's about it.

I get paid at the end of May/beginning of June, then I get paid like 3 days into my trip then not again til like 3 days after I get back. Brutal.
__________________
SO FAR: USA, Canada, Mexico, Ireland, Spain, Germany, Poland, Hungary, Kuwait, Qatar, Afghanistan, Kyrgyzstan
UP NEXT: Mexico, Belize, Honduras, Grand Cayman Islands - Feb 2012


tpunk gallery * twitter
pinknic38 is offline   Reply With Quote
Old 05-21-2008, 06:30 PM   #14
Sex and the City Guru
 
travelchick75's Avatar
 
Join Date: Jun 2006
Location: Miami, Canada
Posts: 649
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via MSN to travelchick75
Default

It just doesnt make sense that they take out a lump sum of money just like that, they should at least offer some sort of payment plan or something for the overpayment, what if you had a family and other obligations and all of a sudden your negative 2000 bucks..that sucks dude and its unfair
__________________
"Well, I had one that I was playing Quidditch the other night," said Ron, screwing up his face in an effort to remember. "What do you think that means?"
"Probably that you're going to be eaten by a giant marshmallow or something," said Harry, turning the pages of The Dream Oracle without interest.
-
Harry Potter and the Order of the Phoenix
travelchick75 is offline   Reply With Quote
Old 05-21-2008, 07:26 PM   #15
Rabidly Xenophilic
 
maracle's Avatar
 
Join Date: May 2007
Location: Austin Texas, but originally from Ann Arbor!
Posts: 1,233
Thanks: 0
Thanked 0 Times in 0 Posts
Default

Quote:
Originally Posted by pinknic38 View Post
My only bills are car, insurance, and cable, which all together is like 400ish.

haha, when I read this in your original post I thought it said "car insurance and cable bill"...and my next thought was Damn, it must be like demolition derby when nicole is unleashed on the streets if insurance is that kind of money!!

If you've never had a credit card before, cash advances cost a fortune! You might see if you can find some small shops or ask a grocery stores if they'll give you some cash back with a purchase. A lot wont since they pay a percentage but who knows, it would be a lot cheaper.

Quote:
Though I am going to try to Couch Surf while I'm in London to cut back a little
Party at Lauren's house!! (birmingham isn't that far...)
__________________
Flickr!
maracle is offline   Reply With Quote
Old 05-21-2008, 07:38 PM   #16
TPunk. Recognize.
 
Join Date: Apr 2005
Location: Philadelphia
Posts: 1,181
Thanks: 0
Thanked 0 Times in 0 Posts
Default

^^ I agree with that! I would definitely NOT take cash advances on your credit card. Use it whenever you can to pay for things (hotels, meals, bar tabs, Celine concert t-shirts, etc) but dont use it for cash.

Contrary to most people here, I love using my credit card. Now granted, I do have the cash in my bank account to pay it off, but still, three words here: Frequent Flier Milers. I love my United Visa card. I use it to pay basically everything and just make sure I'm vigilant about paying it off. Plus, its always good to have a credit card in your name so you can start to establish credit in your name.
mbo108 is offline   Reply With Quote
Old 05-21-2008, 09:39 PM   #17
call me Condi!
 
DC_Jessica's Avatar
 
Join Date: Oct 2006
Posts: 818
Thanks: 0
Thanked 0 Times in 0 Posts
Default

I use my credit card all the time for regular payments like my ridiculous COBRA health care. It will be great. Rewards? (Hell yeah Target gift card!!)

And you just need to go on your trip - for the WHOLE time you had planned - and enjoy yourself. You're not an ass about money, you're not going to be like the mornons who put themselves in near-suicidal debt because they had to have a $4 latte a day. You will be good. And like you said, it's a matter of time before you're paid up.

Also, has anyone seen the SNL skit that is about a "program" on finances called "Don't buy shit you can't afford"??

Whups, it was "stuff" but I'm dirty.
http://consumerist.com/consumer/clip...ord-252491.php
__________________
"I set out alone, finding no companion to cheer the way with friendly intercourse, and no party of travellers with whom to associate myself. Swayed by an overmastering impulse within me, and a long-cherished desire to visit those glorious sanctuaries, I resolved to quit all my friends and tear myself away from my home."
---Ibn Battuta, CE 1325


Latest travel crushes - Arizona, Morocco, The Baltic States, Tunisia, Portugal, Mexico
DC_Jessica is offline   Reply With Quote
Old 05-21-2008, 10:01 PM   #18
Certified Wise
 
raoulduke's Avatar
 
Join Date: Jul 2006
Location: Australia
Posts: 1,490
Thanks: 0
Thanked 0 Times in 0 Posts
Default

Yeah sounds like a credit card is the way to go. Don't let it stop you from having a good time. A little interest on a credit card is just another travel expense.

Also there is a free bike tour in Munich, so you can just be stingy and not tip if you want.
__________________
One of God's own prototypes. Some kind of high powered mutant never even considered for mass production. Too weird to live, and too rare to die -HST
raoulduke is offline   Reply With Quote
Old 05-21-2008, 10:48 PM   #19
The Finisher
 
epicballa's Avatar
 
Join Date: Aug 2004
Location: NYC
Posts: 97
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to epicballa
Default

credit cards are amazing for people that have the discipline to use them as an extension of their bank account, meaning they only charge things that they currently have the money to pay for. some of the rewards programs are amazing. so far i've been able to get a roundtrip ticket from nyc to la and an ipod by using the cards :D
epicballa is offline   Reply With Quote
Old 05-22-2008, 04:54 AM   #20
 
SGRHewitt's Avatar
 
Join Date: Oct 2004
Location: Indiana
Posts: 602
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to SGRHewitt Send a message via MSN to SGRHewitt Send a message via Skype™ to SGRHewitt
Default

Quote:
Originally Posted by DC_Jessica View Post
You're not an ass about money, you're not going to be like the mornons who put themselves in near-suicidal debt because they had to have a $4 latte a day.

So I totally thought that said.. "You're not going to be like the mormons."

I didn't know the Mormons had a coffee problem. lol
__________________
US Soccer and Toronto FC Fanatic.

July 23 - Sept 13: Back in Europe! Off to Brest, France for a French language course. Schedule is open before August 7 and after August 28, suggestions?
SGRHewitt is offline   Reply With Quote
Reply






Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On



All times are GMT -7. The time now is 03:57 PM.



 

Search Engine Optimization by vBSEO 3.2.0

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121