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Hi 👋🏻
A lot of people struggle to get the liquid travel money ready during their trip planning, because they mix their day to day finance with the travel budget.
And you, I, we all are faced with the same.
So, in this edition, let me tell you how to separate your lifestyle spending from travel spending.
Set budgets for both
Separating your lifestyle money from travel doesn’t mean you’ll only budget for your travel, you should set a budget for both.
Let’s say if you're making 50,000 INR/month, you can use the 40-25-20-15 rule.
40% Lifestyle essentials & discretionary – rent, groceries, bills, hobbies, dining out.
25% Travel & experiences – flights, accommodation, activities, souvenirs.
20% Savings – emergency fund, short-term goals, cash reserves.
15% Investments – retirement accounts, stocks, ETFs, long-term wealth building.
(Yes, my friend, you have to save money for future needs and invest, too)
Use separate accounts
I have 3 accounts, one for usual day to day transaction and autopay for savings, one for savings or security fund, I don't touch it at all, and one for travel.
I have an autopay for my investment, and the rest I send manually.
It’s a game-changer.
Track your spending
You can use any app for this, but if you're okay to do it manually, then keep a manual monetary day where you’ll plan and manage your finances.
Automate
I’ve already mentioned this earlier, but this deserves another point. Set up automatic transfers to your travel account every payday and treat it as non-negotiable, just like paying bills.
Prioritise travel in your budget
Once you assign lifestyle and travel budgets, stick to the lifestyle budget first. Any leftover discretionary money can go to travel or personal savings, but never merge the two unless intentional.
Plan travel early
Book flights and accommodations in advance using your travel fund only. Avoid last-minute trips that tempt you to use the lifestyle funds.
Use dedicated tools or cards
Some credit cards let you track spending by category. Create a travel card and a lifestyle card, or use budgeting apps to alert you if you’re spending too much in one category.
Thank you!
I hope that after this edition, you’ll always do your best to keep your travel fund separated from your lifestyle fund.
Thanks for reading. See you on Saturday!
See ya!
