For some people, saving is easy. For others it’s a matter of discipline. We fall somewhere in the middle, but tend move closer to the easy side when we’ve got a goal to meet.
We’re saving now for a return to our nomadic life. We’re throwing every spare dime we can into our travel account and making saving a priority because once again we have a big goal that we’re excited about.
Our unexpected and sudden move to Kaua’i last year was expensive. We had to buy a car, rent an apartment, and purchase everything from scratch to set up housekeeping again, from furniture to kitchen goods to linens to small appliances. Because everything was shut down because of the pandemic, there were no yard sales, and thrift stores were also closed so bargains were few and far between. While we got lucky and were able to buy our old car back from friends, everything else had to be purchased new, from Costco, Walmart, Amazon, and two furniture stores on the island that graciously opened for us and allowed us to shop privately (but no delivery – we had to rent a van and pick up and move our purchases ourselves). We paid $$$$ to have our stored items shipped back over to us, but it was good to have our own stuff back with us even if the movers did lose one of our boxes.
To put it mildly, the move decimated our savings. Still, we’ve been able to live well on our income, help with YaYu’s college expenses, and put a small amount away every month into our travel savings. We were able to pay for our recent car repairs. But there hasn’t been much of anything else left over for travel except for that small allotment every months and from saving change and $1 bills.
However, now that we have a travel goal once again, to say we are once again motivated to beef up our travel savings would be an understatement. Wants, other than wanting nice, healthy balances in our travel account, have been set to the side. Brett and I have everything we need, and are now working at finding ways to tuck more into savings any way we can. I will continue earning Swagbucks to earn as many airline gift cards as possible. We’ve decreased our grocery budget a bit and so far are doing fine with a smaller amount. We have found ways to cut back on driving to keep those expenses lower. YaYu’s college costs will finish in January 2022, and after her final payment the amount we now dedicate to her will be directed into travel savings. I’m not sure there’s ever a good time for this, but Brett ages out of his life insurance policy this year, and that long-time monthly payment will go into savings instead. We are already making adjustments to future travel plans in order to save more. For example, while we still plan to go to Tokyo in the fall of 2022, we’ve decided to only visit for a month, and that there will be no fancy walking tour this time. We can do some great day hikes in the Tokyo region and through the city on our own. In other words, every spare dollar or cent that comes our way for the next two years will be saved.
We’ve accomplished big goals before – we paid off nearly $60K of debt in three years, and in the 18 months between when we decided to take our Big Adventure until the time we left, we saved just over $30,000, and with less discretionary income than we have now. We won’t have much to sell this time to add to our savings, but by carefully sticking to our budget, and keeping to needs versus being tempted by wants, we believe we can come close to that amount again in the next couple of years.
We’ve once again moved ourselves over to the easy side of saving, but are bringing our former discipline back again to reach our goal this time. We can do this!