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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. […]

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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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    • Where there are two or more women gathered together, there is bound to be drama, right?

WRONG!

During my girls trip to Turks and Caicos, several men made mention of the fact that we seemed to be so cool with each other and had no drama during our trip. They seemed shocked and impressed.

Admittedly, we took this as a compliment. We proudly touted that "WE don't do drama!" as if we're special.

I thought about this on my way home and felt I had to say out loud that I think this stereotype should DIE!

We are in the Era of The Sistafriend. Women are supporting one another, cheering one another on, taking trips together, starting businesses together, and just having a damn good time together.

I wrote a blog post about why I just don't believe this myth is accurate and why it should be killed.

Click the link in my bio to check it out!

Show me some girl love on this post and tag your girlfriends that you rock with on the daily!
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📸: @specislegend in Turks and Caicos .
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#girlpower #womensempowerment #blackgirlmagic #girlslovetravel #blackgirlstraveltoo #blacktravelslay #blacktravelgram #nomadnesstribe #travelgram blacktravelfeed
    • Yooo! It's Work From Anywhere Wednesday!

Today, I want to challenge you all to expand your remote work opportunities to freelancing.

Freelancing is a great way to work remotely!

You would be surprised to know that there are MANY companies, both big and small that are willing to pay you for the expertise and skills you have.

During my first monthly "Lib Search For My Remote Job" session last night, I spoke to two women about freelancing.

One wanted to be a recruiter. This is a REALLY great field for freelancing but you have to build your network.

The other wanted to help non-profits with fundraising. There are not usually a ton of remote opportunities with non-profits so I suggested that she build out a suite of services from building strategic plans to executing those plans and approach some non-profits who are currently hiring for similar roles and offer to consult with them.

Freelancing is definitely a great way to broaden the range of opportunities for you to go remote

There are a few more spaces in the session tonight and Saturday. Sign up before they run out. Just click the link in my bio and go to "Lib, Search For My Remote Job"

See ya in there!
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#WFAWEDNESDAY #workingmom #workfromanywhere #workfromhome #remotework #quitcommuting #quityourcommute #remotejobs #workfromhomejobs #wfhjobs #wfh
    • Ever give a woman a compliment and the first thing she does is explain why you shouldn't have?

How many times have you done this yourself?

It's such an interesting and automated response and it seems to be something women do almost exclusively.

I imagine if it were men, one man might say **turns on deep voice** "hey man, I like that beard look bro, its dope" and the man would never respond with "for real man? It's so dry and I need a line up!". No, he would say "thanks man, 'preciate that"

Why do we have so much trouble graciously receiving compliments?

Are we trying to portray modesty?

Do we think it makes us seem conceited?

Or do we think we don't deserve the compliment

This happened on two occasions over the weekend.

I told one woman that her lashes looked great and she immediately launched a smear campaign about how they were old and needed to be redone. I placed my hand on her shoulder to stop her and said "oooh girl, just say thank you" 🤣
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Another woman I was chatting with had such beautiful skin and I told her so. She looked at me concerned like she thought I might be losing my eyesight and said "oh no, I'm so mad at my skin, I'm breaking out and..." I cut her off and said "I think your skin is beautiful, just say thank you" 🤣
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I absolutely do this too. Most of us do. I don't know why we do it, but I would love for us to stop.

We do not owe modesty to the world. We do owe it to ourselves to be bold in our acceptance of our beauty, our strength, our power.

There is a big difference between being conceited and being confident and accepting compliments does not tip the scales towards conceit. It does, however, exhibit graciousness.

We don't get to decide whether or not we deserve the compliment. The person giving it to us already declared it. Its ours. They weren't asking our permission or asking us to sign off on it. They chose to compliment us because we were deserving. We should accept that. We deserve it.

Take the compliment, sis. Just say "thank you".
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#thingsillteachmydaughter #mondaymotivation #instainspiration #selfdevelopment #womensempowerment #selfimprovement #girlpower
    • Crazy enough, our weekend trip to Memphis was the first "real"  trip Zian and I have taken together since Christmas when we went to Colombia 😯😯
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She and I have made road trips back to my hometown, we went to Chicago to drop her at summer camp, and we went to Detroit to say goodbye to our Jadyn, but this is the first trip of the year where we got to kick it together.

Yesterday, I moderated a panel for @audacityfest discussing traveling with children alongside @tanaibenardturner, @themomtrotter, @thetravelingchild, and @@gabbok17. One of the things we talked about was how much quality bonding time we get when we travel with our kids.

I love stepping outside of our regular routine of being mom and daughter and just being people exploring a town, getting to know who my daughter is as a person, and letting her learn who I am as Libryia, not as "mom".
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Although our time in Memphis was brief, I truly enjoyed sharing history with my kiddo at the National Civil Rights Museum, chatting and strolling down Main St., grooving to music at the #BringYourSoul block party,  two-stepping to the jams played by @bigsueshouse at brunch, and mural hunting for dope shots for da gram (thanks @ilovememphisblog for the murals list!)
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It's true, she and I can bond at home. But there is something so special about discovering a new place and ourselves.

Memphis, thank you for having us! We can't wait to come back and explore more of what you have to offer!
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#ilovememphisblog #ilovememphis #memphistravel #travelblogger #influencer #travelinfluencer #AudacityFest #visitmemphis #wanderingmom #wanderingmoms #wanderwoman #blackkidstravel #blackgirlstraveltoo

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