Summer traveling on a budget

Looking to get away without overspending? Whether you're flying across the globe or road-tripping closer to home, you can travel well and spend smart. Jon Maroni, Numerica’s Financial Engagement Manager, recently tested some budget-friendly travel tips using his Numerica debit card — now we’re sharing them with you. (See if you can recognize where Jon went!)  

Let’s make your next trip affordable, rewarding, and stress-free. 

Set a realistic travel budget

Start by listing your major expenses — transportation, lodging, food, and activities. Add about 10% as a buffer for unexpected costs. Jon followed this rule and stayed on track.

To kickstart his savings, Jon used Round Up to Savings, letting everyday purchases grow his travel fund automatically. On the road, he monitored spending with the Numerica mobile app and stuck to using his debit card.

Need help building a budget? Check out Money Talk: Creating a budget that works.

Travel during off-peak times

Flights and hotels can be 20-40% cheaper if you avoid peak seasons. Search for "shoulder season" travel guides for your destination. Jon saved by flying mid-week leaving Tuesday and returning Saturday.

Flexibility with dates can lead to big savings.

Use rewards the smart way

Numerica credit cards help turn purchases into perks:

• VISA® Platinum – Earn 1 point per dollar for travel, gift cards, and more.
• VISA® Luna – Earn 1.5% cash back on every purchase.

Use your credit card for big purchases but set a spending limit you can pay off monthly. This way, you earn rewards without paying interest.

Compare Numerica credit cards and see which fits your travel style.

Pack smarter, avoid fees

Checked bags can cost $30-$60 each way. 

Save by packing light:

• Use a carry-on suitcase
• Pack versatile clothing
• Limit shoes to 2 pairs
• Use packing cubes for space

Make a checklist of essentials or search "carry-on packing checklist" online for customizable guides (like your own rain gear to avoid getting wet on a water ride).

Explore lodging alternatives

Hotels aren’t your only option. Consider:

• Vacation rentals (Airbnb, Vrbo)
• Hostels
• Camping

Use comparison sites to find deals, and check for discounts through memberships or credit card rewards. Find places that match your budget. 

Plan meals and save daily

Research average food costs at your destination. A common hack: plan for 1 grocery meal and 2 dining-out meals per day. Spend a little time finding restaurants and grocery stores convenient to your lodgings. 

Setting a daily food budget can also leave you with extra money for snacks when you want to splurge on a treat from The Hundred Acre Wood .

Find free or low-cost activities

Before you go, search:

• City tourism websites
• Local event calendars
• "Free things to do in [city]"
• Apps like Eventbrite or Meetup

Many destinations offer free museum days, festivals, or walking tours. Mix these into your itinerary for affordable fun.

Wander without worry

With a little planning and the right tools, you can enjoy a memorable trip without straining your finances.

Start saving with Round Up to Savings and make every purchase count with Numerica credit cards*.

Written by the Community Impact and Communications team
With insight from Jon Maroni, Financial Engagement Manager