10 steps to plan a vacation that doesn’t break the bank

How to Plan a Cost-Efficient Vacation Without Sacrificing Fun

Traveling doesn’t have to break the bank. With a little creativity, research, and flexibility, you can plan an amazing trip that’s both enjoyable and budget-friendly. Here’s how to make the most of your vacation without spending a fortune:

1. Choose Your Destination Wisely

• Opt for locations where your currency has more value or that are known for being budget-friendly.
• Consider lesser-known destinations over tourist hotspots—they’re often cheaper and less crowded.

This doesn’t mean you have to avoid popular tourist destinations. Budget-friendly travel is still possible in these areas with a bit of careful planning. Take advantage of travel apps like Groupon to find discounted activities and experiences. To save on accommodations, consider using platforms like Airbnb or TripAdvisor instead of booking directly through hotels. Keep in mind that prices can fluctuate depending on the season, so planning your trip during off-peak times can also help you save money. I personally choose to take a few smaller trips throughout the year and will plan for a bigger trip about a year in advance. This gives me time to plan and budget without any pressure, but also allowing me to travel during that time as well.

Example: Instead of New York, explore a smaller town like Jersey City or Staten island. You’ll still experience the closeness to the city, minus the hefty price tag.

2. Travel During the Off-Season

• Flights, accommodations, and activities are often much cheaper during the off-peak months.
• You’ll avoid the crowds and enjoy a more relaxed experience.

Traveling during a destination’s “off-season” can not only help you avoid large crowds but also save money, as accommodations and activities are often discounted due to lower demand. For example, I like to visit Disney a few weeks after school is back in session. Since most families take their vacations just before the school year starts, this timing means fewer crowds. You still get the warm, sunny (and occasionally rainy) days, but with shorter lines and a more relaxed experience overall.

Example: Visiting St. Augustine (pictured below) in late October or early Spring instead of mid Summer, when prices skyrocket. As you can see the beaches were remarkably less crowded

3. Score Deals on Flights

• Use flight comparison tools like Skyscanner, Google Flights, or Hopper to find the best deals.
• Be flexible with your travel dates and consider flying midweek or at off-peak times.
• Look for nearby airports that might offer cheaper fares.

Pro Tip: Set up price alerts to snag tickets when they drop in price.

Certain times of the year often have significantly cheaper flights, such as midweek days like Tuesdays and Wednesdays or off-peak travel seasons like January after the holidays. Joining travel groups or forums, such as Facebook groups like “Travel Hacking 101” or websites like Scott’s Cheap Flights, can help you stay informed about these deals and flash sales. Additionally, consider signing up for credit card rewards programs like Chase Sapphire Preferred or American Express Membership Rewards. These programs often let you earn points or miles that can be redeemed for free flights, helping you save even more on travel for you and your family.

4. Save on Accommodations

• Explore alternative lodging options like hostels, vacation rentals, or home-swapping platforms.
• Use loyalty points, credit card rewards, or hotel booking sites with discounts.
• Stay outside city centers where accommodations are often more affordable.

Example: Instead of staying in a pricey Manhattan hotel, book an Airbnb in Brooklyn for a fraction of the cost.

5. Eat Like a Local

• Skip expensive tourist restaurants and try street food, local markets, or small family-owned eateries.
• Visit grocery stores to stock up on snacks and drinks.
• Cook your own meals if you’re staying in a rental with a kitchen.

Example: Mango Mango’s in St Augustine, you can enjoy delicious Caribbean bites for a reasonable price, we were the only one’s there other than some customers at the bar.

Before I head out on any vacation, I always research local “hole-in-the-wall” eateries that offer authentic and unique dining experiences. I use apps like TikTok and Instagram, searching phrases like “best places to eat in [destination].” I’ll jot down any spots that catch my eye in a notebook, then narrow it down by checking their proximity to where I’m staying using Google Maps. Additionally, I often choose to share meals and snacks to avoid waste, ordering a few different dishes to sample without overindulging. It’s also helpful to plan ahead and set a food budget for your trip so you can prioritize your culinary experiences without overspending.

6. Be Smart About Transportation

• Use public transportation instead of taxis or rideshares.
• Consider renting bikes or walking to explore the area.
• Buy multi-day transit passes if you’ll be in one city for a while.

Example: In Knoxville or Chattanooga, a bike rental is not only affordable but also the best way to experience the city.

When traveling without a car, I always opt for activities and accommodations that are conveniently located near each other. For instance, if I’m visiting a beach destination like Panama City, I’ll book a hotel right on the sand that’s within walking distance of a variety of restaurants and shops. I make sure it’s also no more than 10-15 minutes away from popular attractions, such as museums or parks. This way, I can easily walk to most places, reducing the need for transportation. If I do need to use an Uber, the cost will be lower since the distances are short. It’s a great way to save time and money while enjoying everything the area has to offer.

7. Pack Strategically

• Avoid extra baggage fees, if flying, by packing light and sticking to a carry-on.
• Bring reusable water bottles, snacks, and any travel-sized essentials to avoid buying them on the go.

Example: Packing a collapsible water bottle saves money on drinks and helps the environment.

8. Plan Free or Low-Cost Activities

• Research free walking tours, public parks, museums with free admission days, or local festivals.
• Take advantage of natural attractions like beaches, hiking trails, and scenic viewpoints.
• Use apps like Meetup or Couchsurfing to find free community events.

Example: Many cities have free spots that are worth visiting like the 2 listed below. Plan your trip around 2 or 3 large outdoor free sites or destinations you would like to see. Choosing activities such as hikes or public outdoor landmarks, saves you a ton of money while also seeing the natural beauty the destination has to offer.

9. Leverage Technology

• Download apps like Trail Wallet for budgeting or Rome2Rio for transportation options.
• Look for city passes that bundle attractions for a discounted rate.
• Use cashback apps for travel bookings or credit cards with travel perks.

There are so many incredible travel app out there that can help make planning and budgeting for you to make your travels seamless. If you are looking for apps that I recommend or have personally used, head over to my Resources page, I guarantee you’ll find at least one thing that will help make your planning, a bit easier.

10. Be Flexible and Open-Minded

• Embrace spontaneity by leaving room for last-minute deals or unplanned adventures.
• Focus on experiences rather than luxury or status symbols.

Always be sure you keep in mind that nothing ever goes exactly to plan. Keep an open mind when traveling and don’t be too upset if the plans need to change for things like cancelations or the weather. I recommend making a general itinerary of places you would like to see, eat at, and tour, that way if you aren’t able to complete them when you originally planned for, that you can rearrange your schedule to fit them in within your days there.

Final Thoughts: Traveling cost-efficiently doesn’t mean missing out on fun. It means being resourceful and focusing on what truly makes a trip memorable. By following these tips, you’ll be well on your way to creating unforgettable travel experiences without emptying your wallet.