Beating Broke

Personal Finance from the Broke Perspective

4 Alternative Spring Break Vacation Options

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Spring is right around the corner, and for many, that means spring break.  However, if you are a college student or you have a child who is one, know that spring break for many kids doesn’t mean traipsing off to a beach location to spend the week drinking and partying.  For many others, spring break can be a time to help others.

The best of both worlds is traveling to new locations AND helping others.  There are plenty of spring break options to let you do just that, and the opportunities aren’t just for college students.

While there are many reputable companies that you can choose from, these are a few to get you started.

International Spring Break Options

Alternative spring break vacation
Original img: Kristin Klein on Flickr

GoVoluntouring.  This company lets you choose your volunteer opportunity based on age, the amount you can spend, duration, and what attractions and countries interest you.  GoVoluntouring has projects in many, many different countries from Croatia to Fiji to Iceland, just to name a few, and has opportunities from teaching abroad to environmental programs to wildlife programs.

Earthwatch Institute.  Earthwatch Institute’s focus is on environmental trips including climate change, ocean health, and wildlife expeditions.  They have trips available in every continent.  Another nice feature of Earthwatch is that if you spread the news about the company via social media and other avenues, you can receive a discount on your own travel.  Just sign up to be an Earthwatch Ambassador to take advantage of this program.

National Spring Break Options

American Hiking Association.  If you’d like to volunteer without getting a passport, you might consider the American Hiking Association’s opportunities to travel within the U.S. and volunteer.  You can search by the state you’re interested in traveling to.  Then, you’ll see how difficult the volunteer opportunity is, ranging from Easy to Very Strenuous, with three additional grades in between.  A moderate project (one step up from easy) might be performing trail maintenance at Fort Pickens in Florida.  A very strenuous project might be one that requires 6 to 10 miles of hiking a day in addition to trail clearing and maintenance including removing dead trees and repairing or installing turnpikes on the trails.

If you want to serve here, be aware that each trip generally only has 6 to 13 participants, so space is limited.  They currently still have openings in their program.

The United Way.  The most cost-effective alternative spring break program is with the United Way.  For a cost of approximately $275 to $395, you’ll have the chance to volunteer for a week and work on projects such as building houses, maintaining gardens, and assisting youth.

Of course, you don’t have to go with one of these companies.  There are likely plenty of opportunities to volunteer in your own community or to take a trip to a foreign country to help others through your church.

If you’re going to spend money on a spring break getaway, why not also do good while you’re there?  You’ll likely experience the country and its people more than if you just sat on a beach as a tourist watching the sunset.

Have you ever taken a volunteer vacation?  If so, where did you go and what did you do?  If not, would you consider taking one?

Take an Off Season Fall Vacation and Save Big

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The summer is rapidly drawing to a close, and you may think that your summer vacation window is closing.  However, if you are looking to take a trip on the cheap, now is the perfect time to take a late summer vacation and save some serious money.

For many destinations, the summer is the top vacation season.  Families pack up and take road trips to a variety of locations.  Once school begins, tourism drops off significantly.  In fact, “The Travel Industry Association says that 38 percent of trips are taken during the summer; the number drops sharply to 23 percent in fall” (MSNBC.com).

You can take advantage of this drop off by scoring better rates and benefiting from thinning crowds.  Here are some trips you may want to consider:

Take a trip to the beach—in September.  This isn’t possible for everyone, but if you don’t yet have children or you home-school, September may be the perfect time to hit the beach.  It is still warm, but the crowds have left and you benefit from discounted rates.  Great destinations include beaches on the coast of North Carolina or even Key West, where the prime tourist season doesn’t ramp up until November and December.

Visit Mickey—Take a trip to Disneyland.  Disneyland can be very expensive, but if you plan a trip in the fall, you will benefit from reduced rates and shorter to no lines for rides.  The trade off is that the park closes earlier and that there may not be as many shows being performed.  However, I will take that trade off if it means I will save a few hundred dollars on accommodations and will save time not waiting in line!

family vacation camping

Take a trip to the big city—Cities also experience a drop in tourism after the crisp fall weather sets in.  While New York City, Chicago and Miami may be prohibitively expensive in the summer months, hotels often discount their rates in the fall, making a trip to the city a bit more affordable.  Most of the big city locales, regardless of location around the country, still have relatively comfortable weather.  In Chicago and New York City, you don’t generally have to worry about biting cold weather and snow at least until November, leaving you the entire fall to enjoy.

Go big guns and visit Europe—I made the mistake of traveling in Europe in August, and it was packed and expensive.  Unbeknownst to me, many Europeans have August off and vacation with their families in addition to all of the travelers who come from outside Europe.  Save yourself money and the need to fight the crowds by traveling to Europe in the fall.  The only drawback?  You may have to deal with some rain (or sometimes a lot of rain), especially if you are traveling to a Mediterranean country.  You can defeat this drawback in part by scheduling museum days and other indoor attractions for the rainy days.

While the dog days of summer may be past us, there is still plenty of warmth left.  Take advantage of the lovely fall weather to take an off season vacation and save some serious money.

img credit: librarygroover, on Flickr.

Car Accidents Abroad

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Over the years, it has become increasingly more common for people to rent cars or to drive abroad when they are going on holiday. With the increase in people driving vehicles abroad, there is also the inevitable increase in road traffic accidents.

If you are involved in a road traffic accident abroad that was not your fault and have suffered injury, you can still make a claim for compensation. Car accident claims involving drivers from other countries or in another country are on the rise and you should contact an experienced lawyer to help you with your claim.

What to do if you are involved in a road traffic accident abroad

If you are involved in such an accident, you should attempt to get as much information as possible from the other driver as you would do at home. In most countries, the Police will take a full report and you should ask for a copy, even if it is in another language. You should obtain the registration number of the vehicle involved and the details of the other driver and their insurance information.

Depending on the nature of your injuries, you should seek medical treatment as soon as possible either in the country you are visiting or as soon as you get home. If you are able, take photographs of the scene.

How to claim

Make sure you contact a personal injury lawyer who has experience dealing with car accident claims. Depending on where your accident occurred, they will be able to advise you on your claim and the next steps. For example, if your accident occurred in an EU state and the insurer has a registered office in your country, a claim may be made directly to that registered office. If you rented your car as part of a package vacation, you may alternatively be able to make a claim under the Package Tour Regulations which are designed to protect vacationers and would allow a claim to be made against your tour operator.

What if the driver at fault is uninsured or leaves the scene without stopping

If the driver responsible for your accident fails to stop or has no insurance then you still may be able to make a claim through your insurance provider, or the rental car agency.  In some cases, if you’ve paid with a credit card, the credit card company will provide you with insurance on rental cars.  It’s always a good idea to find out what kind of insurance there is available to you through those avenues before leaving for a trip.