Jill Russo Foster

Tips for Successful Personal Finances

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Vacation Insurance

With vacation season underway, are you covered if something happens?

According to Wallet Hub, 1 in 6 Americans have an illness or natural disaster happen to them. Are you covered so that you don’t lose you hard earned money? Of these 1 in 6, only 22% have insurance to cover their travel costs and expenses.

Some credit cards offer you coverage for lost or delayed luggage, missed connections, trip cancellations and even death sometimes. All credit cards are different and you need to check your individual card for what your offers you. If you are covered, they offer you reimbursements. That means that you pay upfront. Do you have that money? And they come with restrictions. Remember my Microsoft Surface Pro experience from last fall?

We have one credit card that we always use to rent a car. It gives us coverage so that we can decline the optional rental car company insurances and feel comfortable. We have another credit card that gives us the travel protection of lost or delayed luggage, missed connections, etc. We have done the research for us and you should too.

You should think about what you may need and find out if you are covered with the credit card you already have. Typically, if you don’t charge the trip to that specific credit card, you don’t have the coverage. Then check with your personal insurance, such as auto insurance for rental car coverage, home owners / renter’s for loss of property, etc. Then look into travel insurance, if you need or want more or additional coverage.

You should do this process for your health insurance as well. Most insurance policies don’t cover you when you travel outside the US. All of this pre-planning could offer you the needed assistance in your time of need. So do your research and make the choices that are right for you.

Happy Travels!

Holiday Travel

As you get ready for the upcoming holiday travel season, here’s a great article on saving money on airfare.

We specifically buy our airline tickets on a Tuesday, as it seems the prices are lowest on that day.  We recently purchased airfare for almost $200 less per person, as we watched the pricing for a specific flight go up and down.

Read here and see if you can save money.

For more financial tips, visit my website.

Getting Rid of the Clutter

As we clean out stuff from our home, I wanted to share with you some great resources.  I like to give items to people or charities that can make good use of the items, instead of just tossing.

We had too much luggage.  Yes, we travel and need both small and large suitcases as well as carry-ons, but we had too much!  eBags has this great program called Trade In Trade Up.  You can donate two suitcases in good condition and in return you get a $25 credit at eBags.  We donated two suitcases in June and recently received our credit.  This weekend, we received our new eBags items.  eBags isn’t only luggage, it much more including has back to school items.

For more suggestions, view my resources page.

 

 

Getting the best deal on a cruise

Last week we were looking at a destination that we have wanted to travel to.  This is how we got the best deal for us.

First we started at the cruise line’s website to come up with the cruise information.  If you are first time cruiser, I wouldn’t suggest your try this.  We determined the specific cruise / itinerary we wanted.  Next, we look at sailing dates – which ones worked with our schedule and had the lowest pricing.  Now, we have a base price.

We checked with our airline’s cruise vacation planner.  Yes, they offered the cruise.  But, they had a processing fee and were a little more than booking with the cruise line directly.  We had an email that was saying they were having a great sale, so we called them.  There price was higher than the cruise website.

Next, we set up a post to get bids on this specific cruise – cruise line, itinerary, sailing date, cabin category and waited.  Several offers came in.  We contacted one.  They were able to match the cruise website price to the penny and offered us an on-board credit of $250.

In our experience, pricing is very similar among many options.  The perks are what is different and they can be a great reason to use one vacation planner versus another.

How do you plan your cruise vacation?

What To Pack To Save Money

Summer is coming and that makes me think of vacations. You might be saying, here they go again! You may be right, but not yet. There are a couple planned for later this year.

I wanted to offer you some packing tips that will save you money. When we head to a beach or resorts with pools, we pack our pool toys. Yes, you read this correctly. First, by using an airline credit card, we get our checked bags for FREE – only that makes this work. One suitcase is for us and one is a suitcase for toys. So this is in the beach toy suitcase:

•    Noodles / Rafts / Tubes / Snorkel Gear
•    Soft-sided cooler – we have one that the freeze pack is a part of the cooler
(one less thing to carry along)
•    Entertainment – playing cards, games, etc.

When we travel to a destination, we try to reserve a unit with a kitchen or at least a fridge. This saves us so much money by being able to make and bring our own meals. You might be thinking cooking on vacation – ugh! This can be as simple as having breakfast, beverages and snacks from a grocery store versus paying restaurant or resort prices. Picking up a bottle of water at the store is much more cost effective than buying a bottle at pool side.

Here’s an example of what we do. We bring as much as possible, especially things you won’t finish,  like steel wool, paper plates, herbs and more. Next, we place an online order (if that is possible) from the grocery store before we leave. Then we either pick up the order at the store or have it delivered to where we are staying. Having some or most of your meals at grocery store prices saves money.  Yes, we still do go out for some meals – just not all.

Remember that you typically cannot bring meat, fruit or vegetables out of the US and into another country. Usually, you can bring sealed items in their original packaging. Here’s one of our suitcases.

If you want a copy of my food packing list, email jill@jillrussofoster.com and I will share it with you.

Got vacation plans coming up?

We always recheck the pricing on hotels, cruises, rental cars and more.  Just last week, we found our hotel room was $60 less per night.  Made a new reservation and cancelled the original.  Make sure to check your reservations to save more money.

New uses for things to travel with

 

I always use travel pill cases when I travel – but not for pills.  This time I used it to take my earrings, necklaces and other jewelry.  All stays organized and it’s easy to carry or pack.  For more tips, follow my blog at www.JillRussoFoster.com.

What Does Your Cruise Include?

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Are you thinking about cruising and not sure if it’s for you or not? Here are some tips on what to do and what not to do and how to save tons of money on your vacation.

A cruise can be like an all-inclusive vacation, but not exactly. While most of the cruise is included, not everything is included in the price.

Included

Not Included

Accommodations – room, housekeeping, TV, some in room movies

Mini Bar / Pay Movies

Most food – Dining room, Buffet, Pizza, Ice Cream

Specialty Dining Restaurants, Specialty Ice Cream

Beverages – Non-Carbonated Drinks, Coffee / Tea, Juice, Water

Soda, Alcohol, Specialty Coffee, Bottled Water

Entertainment – Movies, Miniature Golf, Ice Skating, Ping Pong, Swimming, Water Park, Rock Climbing, Ice Skating, Rollerblading, Games, Live Shows, Comedy Venues, Live Music and More

Shore Excursions – when off the ship with the cruise line on an activity, tour, etc.

Casino, Video Arcade, Golf Simulator, On-Board Shopping

Fitness, Gym, Some Fitness Classes, Jogging / Walking Track, Pools, Hot Tubs

Some Exercise Classes, Personal Training

 

Personal Care – Salon, Massage etc.

 

Internet, Ship to Shore Phone Calls, Your cell phone

Gratuities to restaurant staff and cabin steward (although this is a separate charge when booking)

Additional Gratuities, Tips for crew members

 

Dry Cleaning / Laundry (some ships have washers and driers available)

Motion Sickness / Norovirus Treatments

Medical / Doctors Services

So how do you avoid or minimize your costs? 

There is so much food available either in the dining room and/or buffet most hours of the day (and night), there is no reason that we find we need to pay for additional foods. Hungry at 11 pm – go to the 24 hour pizza and salad area. Don’t want to leave your stateroom – order food from room service (it’s free, between 5 am and midnight). Still hungry check out the midnight snacks.

Plan ahead for what to do on shore – we do lots of things for free or low cost and do not go through the cruise line. Do your research and see what options are available. We took a great free walking tour of Valencia, Spain. All it cost us was a tip for the guide. You have to be aware of the time. When you are on your own, you could miss the ship sailing if you don’t pay attention to the time. One note, make sure if you book something on your own and the ships misses the port (weather related), that you will get a refund.

Some cruise lines will let you bring limited quantities of non-alcoholic beverages on board. Check with your cruise line before you cruise. We have flown to the cruise and stopped at the store to pick up bottled water and soda on the way to the pier. If they don’t, you can send yourself a gift (bottled water is less expensive to give yourself a case vs. buying as you go at the bar).

Alcohol is a big money maker for the cruise line. You need to determine how much you intend to drink.  Check out the packages to save money. If you don’t purchase the package, here are few tips – if you don’t intend to take home the souvenir glass – don’t purchase a drink in this glass.  Look for events with free alcohol – champagne art auctions, captain’s receptions, past guest parties and more offer limited free drinks.

Cell phone and internet service – it can be expensive on board. We have always found free internet in port when we wanted to check in.  Otherwise, purchase in advance for discounts. I did this when I was taking an online college class and needed to post daily to the discussion. 

The above is based on our experience on Carnival and Royal Caribbean, other cruise lines can have different policies and costs. Do your research ahead of time, so that you can understand the costs before you incur the charge. This is not a surprise you want to incur as your vacation winds down. Happy Travels!

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