Travel doesn’t have to break the bank; how to vacation without overspending

Rachel Caballero

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Summer often inspires dreams of travel — but a great vacation doesn't have to mean a drained savings account. With a little planning and a few smart financial moves, you can enjoy a meaningful getaway while keeping your budget intact.

Here are some streamlined strategies to help make your next trip affordable and enjoyable.

Book early and travel smart

Advance planning is one of the most effective ways to cut travel costs. Booking flights and accommodations early often means better rates and more options. Combine that with traveling during off-peak seasons or mid-week, and you can enjoy substantial savings on airfare and lodging — plus avoid the crowds.

Stay local, think creative

Exploring nearby destinations can significantly reduce expenses without sacrificing adventure. Places like Tombstone, Old Town Scottsdale or Bisbee offer rich cultural experiences, historic sites and free events — all without the high price of distance travel. Consider alternative accommodations too: vacation rentals, hostels or campgrounds offer budget-friendly and memorable stays.

Maximize your perks

Loyalty programs and travel rewards can unlock serious value. Airline and hotel credit cards often provide free nights, upgrades or travel credits. If you’ve accumulated points or miles, this could be a great time to redeem them and lighten your financial load.

Pack light, eat local

Packing efficiently helps you avoid baggage fees and streamlines your trip. Meanwhile, dining away from tourist hotspots not only saves money but offers a more authentic taste of your destination. Local, family-run restaurants often serve fresher, more affordable meals that support the community.

Embrace free fun

Many of the best vacation moments come without a price tag. From hiking trails and public beaches to local festivals and free museum days, low-cost activities can enrich your travel experience without straining your wallet.

A memorable vacation doesn’t require a hefty price tag. With smart planning, flexible travel choices and a focus on meaningful experiences, you can explore more — while spending less.

Editor’s note: Rachel Caballero is community development and PR manager for Tempe-based TruWest Credit Union, which has eight locations in metro Phoenix. Please send your comments to AzOpinions@iniusa.org. We are committed to publishing a wide variety of reader opinions, as long as they meet our Civility Guidelines.