- The slow burn – put away as much as you can each month, into an ISA or regular savings account. Earn as much interest as you can, and be brutal. I found doing it at the start of each month helps me be as disciplined as possible, once I had a good idea of what my outgoings would be each month. Plan ahead for things like holidays and festivals, so you don’t end up putting too much away and having to take it out again, which means you’ll lose some of your annual allowance (with an ISA).
- Instant cash injection – if you’re lucky enough to get an annual bonus, birthday money or come into money somehow, instead of splurging on a holiday or shopping trip, put it straight into your savings. Think of the long term goal! Over the years, these big sums really add up into a potentially life changing amount.
- Cut all the unnecessary stuff out – everyone’s different in what they prioritise, and if going to the gym is a big part of your life, don’t quit it. But take time to think about where you can trim things down. Some examples…
- Join the cheapest gym you can find on a rolling monthly contract so you can quit any time, or start running around the park instead
- Get rid of your expensive mobile contract and get a SIMO deal with an affordable basic, older, or even your current handset. This will save you hundreds over the course of a year.
- Limit the amount of new things you buy, or just buy bargain clothes/products – shopping in sales and cheap shops will still give you that ‘new things’ buzz without denting your wallet. Ask yourself what you really need vs. what you already have already that you can re-purpose, up-cycle, or fall in love with again. Wear your winter boots for one more winter; sew up that holey top you love; try that jacket with some different outfits and see if you can make it work.
- Avoid buying things that have a huge mark-up and create a work-around instead. I’m looking at you, takeaway coffee. £3/day = nearly £100/month. Buy a keep-cup and bring nice coffee from home instead!
- Sell your old stuff you don’t want! Old uni textbooks, electronics, old DVDs, clothes that are still in good condition… easier now than ever before with Marketplace apps like Shpock that don’t even charge to list! People will literally come to your home and pay you for your old stuff.
- DIY grooming: paint your own nails, cut each other’s hair (me and Sam have been doing this for years – just buy a trimmer, some professional scissors, watch a few YouTube videos and away you go!), shave yourself… you get the picture!
- Day to day, there are a few things that I (still) swear by to keep spending down, and I’m lucky enough to have a frugal boyfriend and frugal friends who feel similarly so it doesn’t feel like a chore:
- Hanging out a lot at friends’ houses – for drinking, meals, parties. This saves serious dollar vs. spending a ton of money in bars and restaurants
- Bringing packed lunch/snacks everywhere – you can save an insane amount of money by preparing lunch at home and bringing it into work, or even out and about at the weekends if you’re hanging out in a park, at museums etc. You also have time to think about tasty and (usually a bit healthier) food you can enjoy preparing and eating. It doesn’t have to be a chore! Similarly, carrying a reusable water bottle helps cut costs.
- Meal plan when you do food shopping – not only is this better for the environment (you throw less away) and saves you serious cash, but it’s also really rewarding! Planning meals and batch cooking over the weekend makes life easier, and means you have tasty food to look forward to all week. You can also look out for deals when you do a ‘big shop’ (in bigger stores or online), and you’ll spend less than if you shop most days after work in pricier smaller stores and be drawn into more impulse buys. I found food shopping mainly online (and topping up on fresh) was a good way of controlling spend.
- Go to cheaper food shops, and buy lots of fresh stuff (loose fruit and veg) and scratch-cook huge meals (curries, chilli, stew, pastas) rather than buying lots of single-serve fast-food like pizzas. Cut back on meat (if you can) as this is a huge money saver!
- Travel as cheaply as you can. This might mean riding a bike (if you’re not too scared, as I am!), walking more, or buying an upfront travel card the cheapest way you can. You can save by taking buses or walking a travel zone further into town in London, for example.
- Easier said than done in some cities (especially London!) but living in an affordable rental property also really helps. I was lucky enough to have my rent pretty much frozen for a couple of years (and stuck it out, despite living with my ex for a brief period!) If you’re spending more than about a third of your income on rent, it’ll be a lot harder to save. Search around for a more competitive deal, split a good deal with friends, move a bit further out of town, or in the short-term moving in with parents can really help you save fast, if this is possible.
- You still need to go on holidays and trips whilst you save, but be frugal about it. Look out for sales on flights (set Skyscanner alerts; look out for regular Easyjet or Ryanair sales); buy cut-price train tickets online; and stay at Airbnbs or even hostels rather than hotels. Not only is the accommodation cheaper but you’ll get to cook for some of your meals, hang out/drink in the apartment (rather than always in cafés or restaurants), and have access to essentials like drinking water and whatever food you fancy!
- Sometimes long haul holidays (like India or other parts of Asia) can actually work out pretty cheap if you go for a few weeks, as the main cost is the flight. A short term solution to wanderlust!
Faced with only a 60L backpack and a year (well, 18 months!) travel to prepare for, it was a pretty tough gig to think of how to pack everything one might need for travels in both South America and South East Asia. After some long hard thinking (and solid testing over the 18 months) I’d recommend the following…
These are the things you’ll fall back on on a daily basis, and I wouldn’t leave home without them…
Pants!– I’d take approx 10 pairs as this is how may days it’s likely to take before you run out of clothes, then you can do a quick hand wash in the sink with hand soap/detergent granules. Sounds basic but it works!
Shorts/dungarees – 2 or 3 pairs. Great for hiking, sight seeing in hot countries, and what I wear most days. I’m normally a pretty girly girl but in most places girls don’t get dressed up in pretty skirts and dresses so you feel a bit over-dressed in these, and shorts are a good middle-ground. Ditto dungarees.
Strappy tops and t-shirts – you need a good mix of these so you can a) work on your tan and feel a little more glammed up (strappies) and b) recover from your failed tanning attempts (sunburn!) and cover up on too-hot days. Only 100% cotton, no artificial fabrics, or you’ll sweat through your top in a matter of hours! (Primark, I’m looking at you). Not a good look, trust me. Include some baggier ones for Asia where you’re likely to get more stares in remote places.
Comfy dresses – essential! I have a long cotton beach dress that I bought in Bali a few years back and it’s one of my favourite items. It looks good enough to wear at dinner, but is also comfy and can be worn without a bra. I wear it on overnight buses because it’s warm, to travel in, on lazy days… whenever really. Day dresses are also good when you want to don some lippy and step up your look a little! Knee length dresses with t-shirt tops are also great for temples/churches/to cover up burn or protect from the sun.
Cardies/light hoodies – For when it’s slightly chillier I generally have a couple of cardies in bright, versatile colours for the evenings. That’s usually enough. Hoodies – specifically Uniqlo heat tech – are really great for layering on chillier days/night buses also.
SCARF!! – I can’t emphasise enough how important this one is. An old, pretty pashmina style scarf is essential and so, so versatile. A make-shift blanket for cooler situations, a sunburn cover-up, a cute little neck scarf when rolled thin. Choose a really bright beautiful one, and base your wardrobe colour scheme around this. Finishes off any outfit. I ended up with a couple after the 18 months.
Leggings! – I carry two pairs, so you always have some clean… Or cleaner! One for travel/slobbing, one for daywear. Great for cooler evenings, high altitude locations, or trekking to protect from stray vines. Grey or black/neutrals. Again Uniqlo heat tech are worth their weight in gold here as they keep you warm or cool depending on your body temperature.
Kimono – this is super handy for when you need to dash out to the toilet in the middle of the night, or whenever you can’t be bothered to dress. You will almost certainly be in a ‘shared bathroom’ situation on your travels, and I’ve found my silky kimono (that I got for 2 quid from Oxfam) has been indispensable whilst travelling.
Shoes – you really need 2 pairs of shoes. Comfy sandals, and comfy pumps. Emphasis on the comfort! You will be walking hours a day – sightseeing, round town, to and from transport, falling out of bars, etc! You need comfort. If you pack heels, you won’t wear them. I have Hush Puppies – both sandals and loafers. They’re dreamy comfy, no matter how far I walk. I also have hiking boots which are essential for National Parks (which are EVERYWHERE in South America) and jungle/volcano hikes in Asia so plan ahead if you’ll need these. I wore mine out completely in the 18 months. Jelly sandals/flipflops are also a great shout for swimming in/clambering over rocks / avoiding sea urchins in Asia.
Lightweight cover-up – despite lots of sunshine in both South America and South East Asia, there are also significant cold patches! If you’re going to national parks, it’s freezing in the evenings. Hiking volcanoes, glaciers… things you’ll definitely get into when travelling (even if you don’t think so before!) require lightweight cover. I swear by Uniqlo – they have great heat tech tops (long sleeve is great for sun/cold) and leggings which I wore permanently whilst hiking, as well as lightweight heat tech fleeces and padded down jackets. Definitely include a wooly hat or beret too – you will use it!
Microfibre towel – they’re amazing, light, tiny, and dry in about 5 minutes. Plus they come in loads of cute colours.
Swim gear – You’ll need more swimwear than you think (especially if you’re hitting Asia). Two bikinis/swimsuits minimum (as one will always be wet) plus kaftan, sarong, beach towel to lie on (so you don’t have to dry yourself with a sandy towel!)
Sun gear – I know they can be a bit lame, but a sun hat is crucial for a lot of hotter countries (especially if you’re fair!) Think mum’s beach hat in the 90s – the wider the brim the better. Also sunglasses – prescription if you’re short sighted makes all the difference for seeing wildlife in trees, detail of the relief work at Angkor Wat etc.!
‘Traveller’ clothes – you’ll no doubt pick these up en route so leave some space. I’m talking cute llama wool jumpers (South America), cotton hippy trousers that are ideal for temples in Asia. Clothes are so cheap abroad, so if you don’t have the above stuff (or you just want to mix it up as I did partway through) – leave space, and be prepared to throw away anything you take. I donated a jacket, shoes, and some dresses that got baggy through handwashing, en route.
… plus the obvious – sunglasses, sunscreen, SPF lipbalm and SPF moisturiser, etc etc. If you’re thinking about nail varnish, I’ve worn a glittery pink one that’s worked out well as you can’t really see where it’s chipped and you can just keep reapplying on the sly when it looks worse for wear! I also ended up buying more nail varnish en route but maybe that’s just me! You can buy pretty much everything as you go toiletries-wise, but tampons are less prevalent in Asia so I’d stock up where you can!
Oh and a comfy women’s backpack to put it all in! – it DOES make a difference. I have a Baughaus women’s 60L hiking backpack, and it sits perfectly on the hips and has tons of padding. I wore it on a 5 day hike packed three quarters full and it was still comfy by the end. Plus it’s purple!
And here are some thoughts on things that I’ve brought with me and hardly used, so you can learn from my pitfalls!
‘Dressy dresses’ – dresses I’d wear to parties, club nights, swank restaurants back home. You just won’t wear them on travels. You get stares on the streets for your day dresses, so anything short, bold or dressy is probably overkill. Even on our weekly ‘date nights’ where we hit fancier restaurants, they don’t merit dressing up! Maybe take one, then make it work for all occasions. I carted a little black dress around that I wore ONCE in 18 months. What a waste of space!
Accessories – I LOVE jewellery. Especially gold, vintage-inspired statement jewellery and colourful costume jewellery, but you just won’t wear it. I brought three gold necklaces and rings with me, and barely touched them. For a few reasons: comfort (it’s hot and humid, you don’t want green marks on your skin from fake gold or extra things making you sweat); safety (you don’t want to look too blingy and attract pickpockets), and also…sheer dam laziness! The same goes for makeup. I gave up on that in week 2. Now mascara is a pretty big deal! So you won’t need all that make-up removal gear either! Instant space saver 🙂
Overall, I’d say go with your instincts. But basic rules – keep it simple, comfortable, colour coordinate your wardrobe so it’s easy to pull together, and enjoy the liberation that comes with a more laid back attitude to dressing! Now excuse me whilst I go and buy some of those travelly pantaloon trousers…
Ciao for now!