➡️ 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 .

➡️ 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 .

➡️ 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.