Our Financial Path.

Live a Better Life with Knowledge and Financial Independence

Category: Travelling

Travelling the world, priceless

In the year of 2016, we optimized our spending and coordinated multiple credit card applications to maximize our travel rewards. Over the year, we applied for multiple TD cards, each a CIBC card, multiple American Express cards (including two Starwood Preferred Guest cards to stay at hotels for free), and an MBNA Alaska Airline card each. (Using these affiliate links will give you a bigger welcome bonus or cash back.
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Happy and Saving

When I was a child, my mom always used to tell me to go play outside. I went outside, picked up a stick in the woods, and could play for hours with my friends and our newly found treasure!

Now, as an adult, I notice that having fun has, somehow, become much more expensive. All my friends buy stuff to have fun.
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We Only Spent $2,359 on our Honeymoon

Last September, we got married and waited until the winter to go off on our honeymoon. After much consideration, we decided to escape the snow in Mexico. All through our trip, we have kept a tab and tracked our expenses to share with you guys. To make it easier for everyone, prices have been roughly converted CAD to USD at 1.3, CAD to MXN at 15, and USD to MXN at 20.
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Travelling Through Italy Frugally

In July 2015, we travelled to Italy for a conference held in Turin. Fortunately, Mrs. Xyz travelled for free since it was for her work so we only had to pay for my ticket.

We usually use our business travels as an opportunity to extend our stay and cut vacation expenses. This time around, we extended a 5-day business trip to Turin into an 11-day trek around northern Italy!
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Travelling Through South-East Asia on a Budget

Way back in 2009, before I had met my wife and way before I discovered the early retirement concept, my parents took us (me and my sisters) to a long trip in South-East Asia. During this trip, we travelled through Japan, Thailand, Cambodia, Myanmar, and Laos, flying through continents, walking trough borders, and backpacking across mountain ranges. Travelling there and meeting the locals and ex-pats really opened my eyes to what I would later label as; Financial Independence.
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Consider This Before Travelling Overseas

Me and Mrs. Xyz are always dreaming up some exotic place to live once we hit our big number and retire. We use tools like the Expatistan interactive map to estimate the cost of living overseas and budget our retirement expenses. Living outside of North America allows you to stretch your dollar and increase your standard of living, depending on where you chose to live.


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Trip to New York’s Adirondacks

This weekend, we joined some friends to the Adirondacks mountains up in New York State. After a little drive, we were in the middle of nature, in the cold, cold, nature.

We walked the beautiful trails for over 3 hours and it got me thinking about the true importance of financial independence in my life. I will try to share my thoughts in a readable fashion, hopefully, you can find some value in my observations.
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Travelling to Guatemala

Back in 2014, I went on a 1 month-long trip to Guatemala with my family. This trip really changed my views on life and on the meaning of happiness in general. To relate to my financial path, seeing and learning this culture helped me realize how it is possible to live on a lower budget while living a fulfilling, happy, life.
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