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i’m doing 1 small thing to fund my big travel addiction

April 13, 2019 2 Comments

i’m doing 1 small thing to fund my big travel addiction

April 13, 2019 2 Comments

“How do you afford to travel?” is probably the #2 most frequent thing people slide up in my DMs to ask me. I wrote a post about how that question feels to me but let’s address the question head on today with one of my FAVORITE ways to fund my travels.

Traveling is not as expensive as people tend to think. Trust me, it can be, but it can also be very affordable if you play your cards right and cop great deals.

My flight to the UAE was $238!

Before you can take advantage of the deals, you’ve got to have some cash available, right? I mean until Delta starts taking monopoly money, food stamps, or bitcoin we gotta come up with this cash. I have found that, more often than not, people’s biggest problem isn’t being able to afford travel it’s intentionally saving for it.

If you’re anything like me, saving money is tough. Either you feel like you just don’t have enough money left over to save or you really only save when you have large sums of money like a tax return or a bonus.

This right here is why the 1 small thing I do to save for travel has made SUCH a HUGE difference for me. Lemme tell ya, I’m pretty terrible at saving money.

Enter my favorite app – DIGIT!

It stores away $2.00 one day, $3.00 another day, $7.00 another day…and those dollars add up! I don’t know about you but, I definitely would not voluntarily go into my checking account and move small amounts of money every single day. I’m doing good to floss my teeth and put lotion on my ashy elbows every day, no way I’m doing this, so thank GAWD Digit does it for me.

Digit is an app that builds up a savings account for you a few small dollars at a time. It looks at your spending habits and your average daily balance and stores away small amounts of money every single day. Take a look at my digit activity:

Here are a few testimonials from some of my friends who have signed up for digit:

Actual text message a friend sent me!
Messages from my girls in our text group chat
Comment from my Wandering Moms FB group

Signing up for Digit has truly been a great decision for me. Last year, my aunt passed away and I had to purchase last minute flights for my daughter and I to attend her funeral. It wasn’t in the budget to do this and my dollars were already stretched. Thankfully, Digit had stored away $300 for me, which was more than enough to cover our flights! Thanks Digit!

A few of the features I love about Digit:

  • It takes money based on your average daily balance so whether you have a lot of money or a little money, it will save for you and the money adds up faster than you realize!
  • It will not take money out if that will put you in danger of being overdraft. If they do, they’ll give you a refund of it.
This is my actual Digit account as of 4/13/19. Note the message it gave me.
  • You can pause it if you need to. Maybe you need Digit to simmer down for a minute because you have some big expenses coming up. You can pause it for as long as you like and then unpause it when you’re ready to start saving again.
  • You can set up goals to save towards. The default savings bucket is “rainy day” (which to me translates to “get on a plane and go somewhere else”). I am also saving for an Away carry on bag and a Purple Mattress (travel and sleep, you see where my priorities are). So when Digit takes money from my account, they allocate some of it to my Rainy Day fund and some to each of my savings goals.
My actual Digit account as of 4/13/19. I just started using the savings goals 2 weeks ago!
  • You can set a minimum account balance. Let’s say you like to have a cushion in your checking account, let’s say you don’t want your checking account to go below $100. You can let Digit know this and it will not make a withdrawal if it would put your account below $100 AAAAND BONUS if your account goes below $100 for any reason, it will automatically transfer money from your rainy day fund back to your checking to get it to your minimum balance. Isn’t Digit a sweetie?

What are the cons? Honestly, I can only think of two:

  • It will make a liar of you! You’ve been saying that it’s too hard to save money or you just don’t make enough to save money. Digit will completely prove you wrong. You’ll look up and find you have a couple hundred dollars saved up and realized that you CAN save!!!
  • There is a $2.99/month fee. I think the fee is pretty nominal considering what Digit is doing for me. Also, I typically tell people that if you refer a friend at least every other month, you’ll end up covering the fee.

If you sign up using my referral link, you’ll receive $5 (and I will too YAAAY!).

Full disclosure, the Digit links in this post are affiliate links, meaning if you sign up, I get a few coins for referring you. It doesn’t cost you anything, it’s just Digit’s way of saying thank you to me for sharing the good news! And trust me, this is good news!

Do you already use Digit? Drop a comment and tell me about it!

libryia

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2 Comments

  • Treshenna Miller April 14, 2019 at 9:57 pm

    I signed up for Digit when you posted it in the group. I’m loving it!

  • 10 Ways to NEVER miss out on FLIGHT deals - April 30, 2019 at 11:44 am

    […] I just recently wrote a blog post about Digit being the 1 small thing I do to fund my big travel addiction. […]

  • Leave a Reply

    Instagram

    • Sooooo much to unpack from this trip to Ghana!! Well, figuratively anyway.

Literally, we have a bit less to unpack because @KenyaAirways lost my daughter’s carry-on bag that they forced her to check on Monday. It’s now Friday night here and we are at the airport now heading back to the US and they still have not given us any indication on where her bag is. 😑😑😑 I’m upset about this because that bag contained the funky socks she inherited from her step brother who we lost two months ago. They were the only thing she asked to keep if his. I sincerely hope they find it.

Now back to the figurative unpacking. Ghana is so full - of people, of life, of history, of culture, of food, and of love.

I am full having been here (also figuratively and literally, LAWD I ATE ALL THE RICE)

This trip was far too short, we will definitely find ourselves back in this land soon. 
Medaase Ghana for a beautiful experience! .
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#Ghana #yearofreturn #YOR #visitghana #wanderingmom #wanderwoman #wanderwomaninc #travelgram #visitafrica #blackgirlatraveltoo #gobacktoafrica #nomadnesstribe #blacktravelgram
    • Cape Town is one of the most beautiful places I have ever been!

In fact, I've been twice! The 2nd time, I stayed for 3.5 months AND I'm headed back 30 DAYS FROM TODAY with 12 families - total of 37 people ages 6 months to 61 years old!

A few quick things about traveling to Cape Town:

FLIGHTS ✈
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Typical flights (from ATL) will run about $1,200+ but you can snag GREAT flight deals at $700 or lower.

WHAT YOU'LL LOVE 😍

There is just SO MUCH to do there for all ages and between the beaches, the mountains, and wine country, your eye sockets may just pop out. Its hands down one of the most beautiful cities I have ever seen.

My fave things about CPT

1. Weather
2. Table Mountain
3. Nightlife (Bree St. be πŸ”₯)
4. Old Biscuit Mill
5. V&A Waterfont - there's ALWAYS something to do over there
6. Beaches - there are SO MANY
7. Wine

WHAT YOU'LL HATE 😑

Apartheid did a NUMBER on this place. While the city has SO MUCH beauty, it is very segregated (aside from downtown). In fact, many tourists think that Cape Town has a far larger white population than it does, only because the nice areas of town that tourists stay in are not populated by descendants of the original people.

Another thing you'll hate (this one is trivial) is that the beaches are GORGEOUS but the water is FREEZING! As a Florida girl, it's quite torturous to have a beautiful beach that I can't actually swim in...mind you, people do it. I can not! 🀣
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WHAT YOU SHOULD KNOW πŸ‘©πŸΎβ€πŸ«
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If you are traveling to South Africa w/ children w/o their other parent, you WILL need to have a separate form completed with the other parent's signature and a copy of their ID. The ONLY way around this is:
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1. Their name is not on the birth certificate

2. You have documented full custody

3. The other parent is deceased (you would need to bring a death certificate)

Ok, that's it. Back to planning my 3rd visit to The Mother City.

Are you thinking about going to Cape Town? Ask me anything! Happy to help.
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πŸ“Έ: Steven of @aroundthetable_cpt
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#capetown #ilovecapetown #travelafrica #visitafrica #visitcapetown #capetowntourism #southafricatourism 
#instatravel #wanderingmom #wanderwoman #familytravel
    • Goals are just talk without a plan. A plan is just words on paper without execution.

We need all three, and in that order!

One of the last conversations I had with my bonus son, Jadyn, was about this topic.

He had come home feeling optimistic and excited about his future. He told me proudly that he had come up with some goals for his life.

I told him, "that's great love and you need to go a couple steps further." I told him to break down his goals into a plan. I gave him the homework of identifying what his plan would be this month and this quarter to hit those goals. Then challenged him to show me how he would execute on that plan over the next week.

I suggested he write these things down and put them up on his wall so he could see his action plan and check things off.

I recently made my daughter go through the same exercise. She made a Goal Book. We meet weekly to go over our plans for the week and review how we executed last week's plan.

Having goals is hella cute.

Having a plan is really nice.

But we HAVE to execute.

I want to lay down a challenge for me, my daughter, and you this week to DO THE THINGS WE WROTE DOWN. 
This week, I'll be executing on my fitness goals, my business goals, and my lifestyle goals by:

1. Hitting the gym 4 times
2. Eating Whole 30 compliant meals
3. Hiring an admin
4. Building a content calendar
5. Planning my Ghana trip
6. Hanging my light fixture

What are you executing on this week? Let me know bc I'm gonna check in with you about it at the end of the week!

LET'S GET IT!
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#mondaymotivation #instainspiration #thingsillteachmydaughter #2019goals #selfimprovement #selfdevelopment #goaldigger
#goalgetter
    • HEY HEEEY It's Work From Anywhere Wednesday!

Ok, today I have THE most simple tip for you about applying for remote jobs:

APPLY FOR THE JOB!

So many people absolutely do find great jobs that they don't ever even apply for because they're afraid they aren't qualified enough or afraid of rejection.

Studies have shown that women have to feel they meet at least 90% of the qualifications before they apply for a job while men will apply even if they only meet 50% of the quals.

LADIES, we gotta put ourselves out there! Worst case scenario. all you lose is the 5-10 mins it took to apply. SO GO APPLY!

If you need help finding remote jobs to apply for, click the link in my bio and grab my free guide with my favorite places to find remote jobs and while you're at it, get my ninja job search wizard for only $7.

While I ain't Oprah, what I know for sure is you definitely can't get the job if you don't apply. You miss all the shots you don't take so

SHOOT YOUR SHOT!
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#remotejobs #remotework #WFA #WFAWednesday #WFH #workfromhome #workremotely #quitcommuting #quityourcommute
    • "I love you all of the time, I like you most of the time" - the real mantra of moms everywhere 🀣 πŸ€·πŸΎβ€β™€οΈ
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πŸ“Έ : @theqovphotos
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#mommiehood #motherhood #mommingateen #wanderingmom
    • It's another Work From Anywhere Wednesday! **body rolls**
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I'm chatting with you from my home office today about positions that are not 100% remote.

They do exist and A LOT of people don't even bother looking at them because they are so focused on finding a fully remote job.

I want to encourage you to apply for these jobs even if they aren't fully remote.

Why?

Well, for one you need to get into the habit of applying for jobs and going through the hiring process. I believe in achievement motivation. Once you start applying for the jobs you "kinda" want, it will be that much easier to apply for the ones you really want.

Secondly, if you get the job, you will now have remote experience and that will make you more appealing to the companies that are hiring a 100% remote workforce.

But the biggest reason I want you to go for it is because partial remote is more remote than you are now!

So get out there and apply.

If you need help finding viable remote jobs, I created a guide with my FAVORITE places to find remote work. Just click the link in my bio and grab your free copy.

Ok, I got work to do! Have a great day!
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#workfromanywhere #workremotely #remotejobs #wfhjobs #wfh #workfromhome #workingmom #workingmommy #quitcommuting #quityourcommute #WFAWednesday #wfa

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