Insights and blogs
Apr 25, 2025

Traveling has never lost its allure, more so now, with more destinations becoming visa-free, airlines rolling out budget fares, and simplified visa applications making international trips more accessible. Booking a trip on a whim is easy, but balancing adventure and budget makes it more sustainable.

 

We spoke with Mau Angue Jr., Portfolio Growth Head of the Affluent Segment of BPI, about exploring the world without putting a dent in your savings, so you can keep traveling trip after trip

 

Mau in Abu Dhabi, UAE.

1. Book early, save more.

If there’s one rule Mau swears by, it is to plan. “My travels are usually scheduled at least six months in advance,” he shares. “This way, I can save up for my travel fund without sacrificing my savings and investments.”

 

Locking in flights early means better fares, while advanced booking on accommodations and tours often comes with discounts. The earlier you plan, the more room you have to adjust your budget and plan your itinerary with care. 

 

2. Break down your fund into budgets.

Remember, a well-planned itinerary goes beyond choosing destinations; it’s just as important to know exactly where your money will go. 

 

Mau makes sure every peso is accounted for. “It may take some effort, but I always plan my itinerary with a detailed budget for accommodations, food, tours, and shopping,” he shares. 

 

When you’re in a new place and you come in unprepared, you may get carried away and splurge on items you initially had no intention of buying. Having a budget keeps you on track while leaving space for the occasional treat.

 

Mau in Venice, Italy.

3. Save, but never at the cost of safety.

Accommodation is often one of the biggest travel expenses. For budget travelers such as Mau, splurging on hotels isn’t a priority. “I don’t spend much on hotels since most of my time is spent exploring. I just need a place that’s safe and comfortable to sleep in.”

 

Remember, saving is important, but safety should never be compromised. A good tip is to look for budget-friendly stays with solid reviews in safe locations. 

 

4. Make use of financial tools.

It’s always good to have cash on hand for unexpected expenses, but Mau advises aligning your funds with your itinerary. Converting too much currency can be a waste, while too little may leave you scrambling. “Whenever possible, use a single credit card with the lowest foreign exchange fees.”

 

Credit cards can also be a safety net. Mau advises keeping an extra one for emergencies.

 

5. Start small if needed.

Many people hesitate to travel, thinking it’s only meant for those with money to spare. But we believe travel is for everyone. “It provides a fresh perspective on life, recharges your energy for work, and deepens your appreciation for your loved ones,” shares Mau.

 

And there’s always a way to tweak travel to fit your lifestyle. If international trips seem out of reach, start with local destinations. If a family trip isn’t feasible, try solo. Even weekend getaways can offer a change of pace without straining finances. After all, traveling boils down to what you take from the experience.

 

Looking for articles to help you achieve fitter finances? Visit NEXT by BPI Preferred’s The Program.

 

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