➡️ Manage money during the trip⬅️

If we apply the tips from the previous article well: it is better to travel with financing , we have a financial budget for loose travel that allows us to designate a part to those unforeseen events that may arise.

I recommend adding medical expenses insurance to your trip even if you have part of it destined for emergencies. This medical insurance can be the same that you use in your country privately, which covers your expenses for 90 days on an international trip.

Your vacation will have the security you need in the face of the covid situation we live in and the return home will be pleasant without the stress of having spent all the money you had.

Leave this emergency money on your debit card and carry only a part of the budget in cash , the temptations to spend and the risk of losing everything due to a robbery will be less.

If you already bought the tickets for the tourist sites and the hotel in advance, you will not have to spend this cash and you save time from the walk in long lines as they are the most visited places.

Finally, and very useful for traveling, it is to record expenses during the trip . If you think about it, keeping a note on your phone with all the expenses will allow you to adjust the daily money and if you travel in a group or as a couple you will be able to control in the end how much each one owes to the other.

For this, all members of the group, for example, will download the app Splitwise and each person will add (in the group of the app) the payments they have made and if any of the members have paid them a part. Everything will be registered and you will be able to manage the money during the trip .

5/5 - (7 votes)

➡️ Is it better to travel with financing? ⬅️

Planning a trip in 2021 is becoming a difficult task to complete mainly due to the budget we have.

When we analyze the market offers in terms of transport, accommodation, food and tourist activities, we are invaded by insecurity and doubts about the trip.

That said, we could say that traveling without a financial budget can generate many complications such as: lack of money, inaccurate prices and others. Therefore, we prepare a detailed and accurate financial budget for the trip, taking into account the two most popular financing methods for it: personal loans and credit cards .

A personal loan offers a fixed interest rate, a fixed payment schedule and a fixed monthly payment, while a credit card allows you to charge the trip on the go and repay only the amount you borrow.

We may still doubt whether this is the most sensible decision in the world and which of the two financial instruments is the most appropriate for traveling. That is why I give you the following reasons:

You don't have to return it immediately

If you have a job with a low salary, saving money is more complicated and traveling is almost mission impossible. But for example, using a personal loan you can negotiate the repayment time (requesting deficiencies) and the installments to pay (fixed amount according to income), prioritizing your daily expenses while saving comfortably for the loan.

You have financial flexibility

You can request a loan for an amount greater than that adjusted in the financial budget. This will allow us to cover unforeseen travel expenses and when we have extra money to have the financial capacity to pay for emergency costs. Such travel expenses may be an additional fee on your luggage, hotel services not included in your pension, or tourist activities that we need during the trip.

Financial advantages of the loan over credit cards

Although credit cards are more used in travel than personal loans, they are dangerous instruments since they facilitate spending, they have higher interest rates than loans and some cards come with additional annual fees for maintenance and renewal.

If you are an impulsive buyer, having a credit card can be an eternal debt in which you will suffer financial losses despite enjoying the trip. While for loans we must pay lower fixed interest rates and that is why it is feasible to travel.

The lack of financial resources to cover our trip should not prevent us from achieving the planned getaway. The benefits of traveling: reduce stress and improve physical and mental health , definitely outweigh the disadvantages of taking a loan, making it worth the risk of debt and better to travel with financing .

5/5 - (7 votes)

➡️ Earning more money is not being richer⬅️

It is very common to think about earning more money to accumulate more wealth and buy more. This is a mistake that we must correct in order to achieve the financial stability that we long for.

To achieve this goal, let's start by clarifying something important: increasing profits is not generating wealth. They are similar concepts but generating wealth includes being able to save and invest .

For example, if you earn € / $ 1000 or more per month because you have an extra for commissions or you simply work more hours, this amount is to increase your earnings. But, despite this, you cannot make ends meet because the money is not enough, so you are not richer because you are not generating wealth.

We have this problem only because we are not financially educated to eliminate the habits of poverty that affect regardless of the profits obtained.

Financial education refers to the proper management of your money. Something as simple as: generate different sources of income , divide your bank accounts and invest in your mind.

Generating different sources of income is the extra or variable that we earn more in those hours worked in the same company or double salary for working in a different one. This monthly bonus should be transferred or deposited in a bank account other than the usual one, in order to convert it into wealth through savings or investment plans.

Investing in yourself is the best way to line your pockets and achieve financial stability. Changing your mind and habits of poverty allows you to improve the focus and perspectives in your life projects because earning more money is not being richer.

5/5 - (5 votes)

➡️ Control your finances in the face of the crisis⬅️

In the days that we live, finding a way to save or switch to a stable, well-paying job is like thinking about winning the lottery without even buying a tenth.

But I can tell you that this, like everything in life, is about knowing how to manage finances while maintaining absolute control of every penny you spend or invest in your personal economy.

The first strategy is to make all purchases with the credit card and establish a comfortable fixed payment fee, according to the expected income to be received and the limit granted on your card.

Second, do not plan all purchases for a specific date such as Christmas or the Three Wise Men. Ideally, take advantage of discounts and promotions throughout the year that allow you to pay for the same product at the lowest possible price, so practice financial patience .

Following this line, the third strategy is to control impulses and consumption. Advertising is synonymous with consumption that causes you to spend more money. Therefore, evaluate the quality-price and above all your true shopping tastes, prioritizing what you really need. Making a list always helps you focus on this strategy.

Fourth, do not buy when you feel sad or negative because you are going to spend more to feel abundant in those moments. Use those emotions to your advantage selling what you no longer like or don't fit. This will help you recover part of the invested cost and clear your ideas positively.

Last but not least, strategy five is to maintain a low level of debt and with the best interest rate. Using your income to pay borrowed money is more expensive than spending your entire salary on purchases the same day you receive it. If you learn to control your finances in the face of the crisis you will not have to borrow and pay extra in interest.

5/5 - (6 votes)

➡️ Traveling in times of covid-19 (II) ⬅️

The second thing I want to tell you about my experiences traveling in this year 2020 is the need we have to do it. For some, before the pandemic, traveling could be considered a luxury or whim that we should have once or twice a year, nothing is further from reality.

Amid the chaos, uncertainty and fear of this year we can recognize that traveling is another important part of our life. It is the only way to reunite families abroad, provide growth to companies that want to expand and above all improve our priority for this year: stable and lasting health.

Traveling allows you to get out of your comfort zone, get to know other cultures, broaden your views of the world and explore your personal and professional opportunities. All the changes you experience in a trip (city, language and culture) reduces stress and improves physical and mental health that we have lost to covid-19.

The hope that everything will improve lies in having plans, dreams and experiences that give us happiness and joy again. We experience all these emotions while traveling and precisely this has been the first element that all countries have included in their long list of restrictions against covid-19.

I believe that the responsibility to feel free and happy again belongs to all of us, who by following health protocols have the security we need traveling in times of covid-19 . Stability is in you, in your goals, objectives and the will you have to achieve them. Don't expect anyone to save you and Travel to be Happy .

5/5 - (8 votes)

➡️ Traveling in times of covid-19⬅️

In 2020: year of fear, uncertainty and the renewal of personal and professional purposes, the pleasure of traveling is magnified for a thousand reasons that I want to share with you.

The first thing to tell you about the huge difference in responsibilities and measures between countries in the face of the unfortunate Covid-19.

Arriving at the Barajas airport - Madrid, Spain is a feat of gladiators due to the incoherent work of the army of police and doctors who are monitoring passengers.

Their presence is a mere bureaucratic procedure or what we all call, a false facade of the government to convince us that they do their job well.

It is the airline in question who really ensures the operation of the protocols established to maintain the safety of the traveler. They ask you for 3 important documents that you need to present when boarding: Health Control Form (€ 25), Negative PCR Test (€ 99) and Boarding Pass; they monitor the health control and distancing inside the plane; and they maintain a personalized treatment for travelers with questionable health aspects.

However, in countries like Ireland or Mexico (my two trips this year), the greatest responsibility for sanitary measures is assumed by airport controls. In addition to reviewing the documentation required to travel, they take your temperature at least 2 times at the airport and sanitize your luggage and most commonly used personal items such as your handbag and mobile phone.

During the first 5 days of your stay in the country, they continue to monitor your temperature in the hotel and make several phone calls to advise the traveler on the health authorities to which they can go in case of presenting any symptoms.

Safety traveling in times of covid-19 is guaranteed by all the measures in the first place that the traveler takes before and after their flight; secondly for the professional work of airlines such as Aeroméxico and Aer Lingus , and lastly for all tourism companies such as hotels that are responsible for complying with the necessary sanitary protocols in all its facilities.

5/5 - (7 votes)

➡️ Change your future today⬅️


What if we change the phrase "You have to see to believe" by "You have to believe to see"?

The future is built in the present, on a day-to-day basis. The expectations you have at the beginning of a new day greatly influence the results you will obtain that same day, since your attitude tells the universe what you expect from it.

Remember that you are not going to have the kind of day you want to have. Not! You are going to have the kind of day, job, relationships, economy or life that you hope to have.

You see the difference?

If we expect great things to happen in our lives, we will act according to these expectations and great things will happen. It's that easy.

Cree en tí

Believing that something can be done motivates us to go for it, on the contrary, believing that it cannot be paralyzed because beliefs about our possibilities drive us or repress us.

Within each person there is a great power, the question is whether that power is activated or deactivated. Learning to believe in yourself is the starting point to achieve goals.

The first challenge of each person is to water the garden of the mind through the repetition of positive messages that begin to internalize and become part of the subconscious that is what governs our lives.

La religión de todos los hombres debería ser a de creer en sí mismos

Fears vs. Successes

"Do what you fear and the fear will disappear"

Any emotion exists because it is useful, the problem is when that emotion does not fulfill its function.

Fear is a necessary emotion because in the face of any threat it allows us to react intelligently, but the problem arises when fear paralyzes us, blocks us and cancels us.

There is a stimulating fear that mobilizes us and drives us to do our best, and there is a toxic fear that paralyzes us. Faced with this situation, we must choose what to do with fear.

Fear is countered by doing, daring, taking control.

Enfrenta tus miedos

"If I were born again I would live differently because I have spent more than 80% of my time preparing for problems that never arose"

                                                                            Jorge Luis Borjas, writer

Create a successful future

Success is nothing more than the daily application of discipline.

The achievement of results works according to the following scheme:

Success is built on habits, habits in repetition and repetition in discipline. It is not enough to have motivation, which is what encourages us to start, but we must create habits because they are what allow us to achieve goals. Habits are acquired by repetition based on practicing the same task over and over again and therefore a variable is essential: "Discipline", which is doing what has to be done without excuses.

What you have to do is often the most uncomfortable thing to do, which is why many people do not get results.

La mente que se abre a una nueva idea jamás volverá a su tamaño original

Our life is the result of the average of the 5 people with whom we interact, so it is essential to be in the right environments, so be careful who you hang out with.

Success is not a matter of luck or miracles, it is simply the consequence of consistently applying basic principles with discipline and purpose.

To succeed you have to stop being normal, you cannot discover new worlds with old eyes, for some things to come in, others have to come out to make room. It is the law of life.

We are unique, unrepeatable, the essential of each person is their uniqueness. What you must do is find your difference and put it in value, discover your rarity, your originality and then give it shape.

Preguntate si lo que estas haciendo hoy te acerca al lugar en el que quieres estar mañana
5/5 - (9 votes)

➡️Live for yourself and the way you want⬅️

What is it like to live for yourself? Have you ever considered a question like this? Surprisingly, most people do not understand the true meaning of this phrase. People often think, for some reason, that the person who lives for himself is selfish, narcissistic, without taking into account the opinions of others. But is that the case?

Living for yourself, not for your husband, children, relatives, colleagues and any good deity, that does not mean being a bad person. This concept has a different meaning in psychology: to value, sincerely love your own "I", always find time for activities that interest you and not go against your beliefs and moral principles.

If you think you need to learn to live for yourself, you will have to work on yourself to finally start enjoying life. Believe me: if you are happy, then the people around you will receive only a positive experience from you. Here are some tips for living life.

Carpe Diem

Back to the past

When time passes, forgetting what we wanted out of life becomes natural. One way to rescue this is by telling close friends and family what we always said we wanted to do in life, what our dreams were, what we talked about. Such responses can help us reconnect when our needs were most vibrant with the phase of life. This does not mean radical changes at all times. So, for example, bringing back an old hobby interest, meeting old friends, doing things that we set out to do and did not do for lack of time is a way of doing something that makes sense to us.

volver al pasado

Create a vision board

Reserve a place to create a frame of your dreams and goals with a collage of images, sketches and phrases. This is a great way to nurture hope and change inspiration. The image does not have to be large: the intention is to explain what you want and release the current of your internal manifestations. This exercise can also help you identify what something awakens in you in pictures and words. So take the time to enjoy this creative process.

tablero de visión

Set your perfect day

Take about 10 minutes out of your day to describe what a perfect day in your life would look like. What would happen in those 24 hours if you could live several times a day? It would be much better, write down everything you want to do, from waking up to bedtime. Describe all the details of your perfect day and feel the emotion that you imagine it, what your home is like, your workplace, what you are going to eat, who your friends are, etc. It's a good way to keep an eye on your wishes and visualize them.

Hoy es un día perfecto para ser feliz

Fight for change if it makes you happy

Loving yourself is the beginning of an adventure that lasts a lifetime

Oscar Wilde

Many of us have a latent fear of drastically changing something in our lives, but it is precisely the change that takes us out of the comfort zone and makes us evolve, learn, know and take on the challenges involved in facing the new, a stranger. The question is to embrace the change and take it as a new possibility to test ourselves, to be able to decide how we want to live that change and everything new that it could bring us.

Vivir ese cambio
5/5 - (8 votes)