Money Pie Q1 - Western Europe

Oh hello. You thought that I forgot that I was going to keep track of how much I have been spending, but I didn't! I thought it would be more helpful to do a breakdown after I had been traveling for a little bit, so will likely do it every quarter rather than every month. However, I reserve the right to change my mind. Okay, let's get started! I was in Europe for a total of 87 days, so roughly three months, and here is the breakdown of what I spent. All numbers are quoted in USD.  

Accommodation. $3,789 or $43.56/day or $1,307/month. This is always the first and most expensive item on the list and it did not disappoint. This included 74 nights in Airbnbs, 5 nights with a friend, and 8 nights in hotels, plus another 5 nights in hotels where I kept my monthly Airbnb and booked a second place somewhere else at the same time. The average accommodation per day ranged from $41 in the Andalusia region of Spain to $58 in Krakow. 

Dining Out. $944 or $10.85/day or $119/month. This included meals that I paid for the entire thing in order to pay my friends back for letting me stay with them, as well as shared meals when people were visiting, but usually when I was on my own, my dining out is generally one lunch, one dinner and one coffee out per week. Most of the time, the average dinner was about $25, lunch was $20, coffee was $4 and pastries (of course!) were about $2 each. 

Groceries. $396.33 or $4.56/day or $137/month. This included a lot of groceries believe it or not, but I am not really eating much meat or booze, so that keeps the costs down. However, fresh produce and eggs and things are pretty inexpensive overall. If you add this to the dining out cost, my average spent per day on food is $15.41. 

Transportation. $629 or $7.22/day or $217/month. The bulk of this was two things - first was an 8 day car rental in Spain coupled with a 3 day rental in Germany, the second was the Netherlands/Belgium, where I traveled really fast, so had three different train/buses in one week. Other than that, this is mostly trains from one city to another or public transportation within a city, which are fairly inexpensive. Most train rides of a couple hours were around $35 (this included Germany, France, Belgium) from point to point. 

Entertainment. $346 or $3.98/day or $119/month. The bulk of this was for walking tours (one, sometimes two per city), skiing (ticket, bus and gear for about $100) and various museums or attractions. Most of the time, I entertain myself pretty well by walking around, people watching or going to green spaces. I am fairly easily amused. 

Miscellaneous. $31 or $0.36/day or $11/month. This is mostly post cards and shipping, but also includes tips and toilet fees. 

Flights. $340 or $3.91/day or $117/month. This includes my flight from San Francisco to Germany, which I booked using points ($0), and three flights within Europe: Lyon-Krakow ($94), Krakow-Amsterdam ($102), Brussels-Seville ($144). I travel with a carry on only, but now many airlines are charging for that, and I had to pay 30 euro on the Seville flight just to carry on baggage. 

So if you were on a long vacation, you may be able to stop here, as this is the end of the travel related items. But since I am traveling full time, life still has other things, so I am going to go over those too just for full disclosure. You can omit these when planning your next long vacation. 

Health Insurance. $511 or $5.88/day or $176/month. I just changed carriers so my insurance will now be about $75 a month, but before, since I was still in the US more than a certain amount of days per year, I had to have coverage there, which was $235/month. 

Utilities. $313 or $3.60/day or $108/month. This includes my phone, any yearly subscriptions like Trusted Housesittter, cloud services, apps, VPN service, and any credit card annual fees. I do not have any streaming services, but this would be included here if I did. 

Shopping. $788 or $9.06/day or $271/month. Those of you who know me well will be wondering what the hockey I spent $788 on. Well, life happens and so does shit and my phone went to the great meadow in the sky, and I needed more HD storage, so I had to spend a lot of money on electronics in the first quarter. As you know, I also bought a new computer in November, so I don't even want to talk about how much money I have spent on electronics in the last twelve months. It burns, precious. 

So, what was the total and did I stay within budget? Drumroll please. The grand total was $8,089, which comes out to about $2,789 per month, or $93 per day. My budget is $2,500 a month or roughly $80 per day, so I struck out this quarter big time. However, if you remove the electronics, it would be $84 per day, which is still not within budget but it is a lot closer. 

So what is the verdict? The verdict is that if I have no more electronics mishaps, I may be okay next quarter, or maybe something else will come up. Also, I do plan on being in a less expensive place for the next three months, and I hope to do some hiking, which could mean I spend less due to camping, or a lot more due to ice cream consumption. The bottom line is, and I quote my friend G-money, who always tells it like it is, that my budget number really is arbitrary and if I go over, I go over. C'est la vie. 

What do you normally budget for your travels on a per person or per day basis and do you stay within that budget? Or is it okay to fudge it a little? 

By The Numbers: November

November was the month of pets, and also I only had a few fun rides, but nothing big. I did start to run a little bit, and have been doing a ton of walking, and am still trying to get my steps each day! All of the below numbers are as of November 30, 2024. 

My accountability buddy

Mileage To Date:

Total Days on the Road: 252

Total Days Ridden: 154

Days Ridden in October: 1

Total Miles Ridden: 8,600

Miles Run: 43 (the most miles I have run in a month since March!)

Average Steps per Day: 10,200 (phew!) 

Accommodation To Date: 

Airbnb: 12

Established Camp: 35

Friend: 36

Housesitting: 47

Motel: 70

Warm Showers: 9

Wild Camp: 40

Train: 3

Total Days: 252

Total average cost per day: $32

Verdict: November was only one night in a hotel and the rest of the time I was housesitting. Obviously this brought the average cost down. 

As seen on my Thanksgiving day run

Total Cost: November

*Please note that I eradicated my travel category since basically all my costs are what I would have categorized in travel before. 

Accommodation: $75 (↓ from October) Includes any place where I rested my head for the night. In November this included housesitting (29) and a motel (1).

Dining Out: $174 (no change from October) Includes coffee, ice cream shops, snacks and meals at a restaurant, including bakeries and the train canteen. This was still down about 30% from the average for this trip. Once again, being in one place helped, but basically the majority of this amount was in one day spent at the Seahawks game. Those beers are pricey! 

Groceries: $234 (↓ from October) Includes food and snacks from a grocery or convenience store. This is down 23% from the average for this trip. This is likely due to the fact that by housesitting especially for longer periods, I tend to be able to shop less often and cook more real food rather than eating grab and go type things. 

Health: $234 (same - insurance premium) Includes my health insurance and any costs for health care (which I have luckily not had!!!). I am hoping that next year I will be able to lower the amount of the premium, but I do expect to pay out of pocket for some things (for example, I need to get my teeth cleaned and I am going to need new contacts) while I am abroad. 

Misc.: $195 (↑ from October) Includes CFA membership, shipping, gifts, personal care. This month was higher due to gifts. 

Shopping: $2,058 (↑↑↑↑ from October) Includes costs associated with cycling maintenance, cycling gear, running and camping gear and other clothing or toiletries. And electronics!! Sigh. I had been holding off on buying a new laptop because I cannot carry two on the bike and did not want to do any organizing while on the road, but now that I am more settled, I bit the bullet. And it hurt. Hopefully this laptop lasts me as long as my last one, which lasted about ten years. I calculate this as a cost per day of about $0.27, which is pretty darn good! To get that cost per day with the new one, it will need to last 15 years. Wish me luck. This is not all electronics though; I did finally buy some new undies (yay!), some TP (double yay!) and a couple of merino tops that I found on sale and could not pass up. 

Transportation: $27 (↓ from October) Included an Amtrak ride and a few local bus rides. 

Utilities: $273 (↑ from October) Includes a monthly breakdown for the following, even though some of them are charged only once per year: phone, subscriptions, credit card fees and internet security (NordVPN & McAfee). 

Total Spent: $3,286 (↑ 20% from $2,750 average and ↑ 37% from October*)

Verdict: *If I had not bought the computer, this would be my lowest cost month for travel. However, these things happen, so I am keeping it in. Also, full disclosure here, I also still had some home related costs over the last months, so my total spend this year will be more than I have ever spent in one year. 

I am looking forward to next year when it will be more of a "clean slate" and am still considering trying to have a budget of around $2,500, although I know that since my first destinations are in Europe this will not be as easy. However, 2026 will probably be in a lower cost area and so I feel that even if I am over in one year, I will be under in others. Also, I love me some croissants and am not going to skimp on things like that. Croissants are the new ice cream!

To end this number heavy post, here are a few recent stats! 

Favorite Ice Cream: My little cousin (she is 13) made homemade ice cream for Thanksgiving. Yummy. 

Favorite New Town: I really enjoyed Bellingham, but also Northeast Seattle is very pretty too. Towns near water really are the best. Seattle itself is not "new" but I really do like it too. 

Favorite New Water Related Venue: See above, but I will say Lake Washington, even though there have been some good Puget Sound views too. 

Lake Washington

Lake Union

Favorite Food Item: I had an excellent carnitas taco at Tacos Tecalitlan in Burlington, WA. 

Favorite Book: The Mountains Sing by Nguyễn Phan Quế Mai

Okay it's your turn!! Have you read The Mountains Sing? Are the Christmas decorations out in your neighborhood yet? 

Money Monday: By The Numbers: October

Finally, things have simmered down enough and it is time for my monthly spending recap, along with a few other random stats! For the month of October, my bike trip was slightly winding down, and I spent a lot more time visiting and housesitting than I did riding. All of the below numbers are as of October 31, 2024. 

Montreal bike (they were everywhere!)

Mileage To Date:

Total Days on the Road: 222

Total Days Ridden: 153

Days Ridden in October: 10

Total Miles Ridden: 8,540

Average Miles Per Day Ridden: 55.8 (vs 56.57 as of Sept 30)

Max miles per day: 101

Accommodation To Date: 

Airbnb: 12

Established Camp: 35

Friend: 36

Housesitting: 18

Motel: 69

Warm Showers: 9

Wild Camp: 40

Train: 3

Total Days: 222

Total average cost per day: $39

Verdict: Although October involved a lot of housesitting and stays with friends, the motels were more expensive than normal and there was no wild camping. This only brought the average per day down from $40 to $39. 

Total Cost: October

*Please note that I eradicated my travel category since basically all my costs are what I would have categorized in travel before. 

Accommodation: $1,106 (↓ from September by $15!) Includes any place where I rested my head for the night. In October this included housesitting (13), Motel (9), Friend (5), Airbnb (2), Established Camping (1) and Train (1). 

Dining Out: $174 (↓ from September) Includes coffee, ice cream shops, snacks and meals at a restaurant, including bakeries and the train canteen. This was down about 30% from the average for this trip. This is likely due to the fact that I was not on the move as much so could plan my groceries and meals out better. However, I did go out and get food in Montreal and Quebec a few times, and went out with Elisabeth! I feel like this was more quality than quantity though. 

Groceries: $254 (↓ from September) Includes food and snacks from a grocery or convenience store. This is down about 20% from the average for this trip. This is likely due to the fact that by housesitting or staying with friends, I tend to be able to shop less often so can stock up on more things. 

Health: $234 (same - insurance premium) Includes my health insurance and any costs for health care (which I have luckily not had!!!). I expect to go for my colonoscopy procedure in the next six months and it will be interesting to see what the out of pocket is for that with my new insurance plan. (by interesting, I mean please don't hold your breath!) 

Misc.: $33 (↑ from September) Includes CFA membership, shipping, gifts, personal care (as you can see, there is not much of that happening)

Shopping: $4 (↓ from September) Includes costs associated with cycling maintenance, cycling gear, running and camping gear and other clothing or toiletries. The $255 average for this trip is mainly because I've spent about $1,100 on bike maintenance, which equates for about 62% of this category. Luckily in October, I barely spent anything! Bob sure is high maintenance! (*Dad joke)

Transportation: $169 (↓ from September) Included one flight for me and Bob and a couple of local bus and train rides in Montreal and Quebec. Why is it so low, you ask!? I used points for a lot of this, which I talked about in my last Money Monday post! 

Utilities: $232 (↓ from September) Includes a monthly breakdown for the following, even though some of them are charged only once per year: phone, Garmin charges, subscriptions, credit card fees and internet security (NordVPN). 

Total Spent: $2,205 (↓ 20% from average and ↓ 27% from September)

Verdict: Pretty much all categories went down from September and most were lower than the average for the trip. I am still trying to figure out what I should target for my budget for next year, but I am thinking that $2,500 a month may be a good number to start with. I do think that there will be a couple of things that I will need to upgrade next year (for example, my normal travel backpack is from the 90s!) but hopefully they will not cost more than the cost of bike maintenance, so it will even out. 

This brings to total spent for seven months to $18,407 or approximately $2,600 per month. The highest month is still the Tour Divide (July) and the lowest is April with October coming in second lowest.

Verdict: Being on the move more or trying to go faster equals more expensive for the most part. Being able to slow down and buy things in larger quantities and stay in one place for a week really does make a difference. 

To end this number heavy post, here are a few non-cycling related stats! 

Favorite Ice Cream: The Real Scoop in Wolfville. 

Favorite New Town: Wolfville, although Mahone Bay was pretty dang cute

Favorite New Water Related Venue: Hubbards Bay or Blomidon

Favorite Food Item: I really loved the family dinners at Elisabeth's house! However, I had a blast getting a loaded poutine at La Banquise in Montreal. Was it touristy? 100% yes. However, it was still a lot of fun and it was very filling! 

Favorite Book: God of the Woods. I will be doing a post about what I read later, or you can find my list on my Goodreads page here! 

Okay it's your turn!! Have you read God of the Woods? What was the best (or worst) thing you spent money on in October? What month is normally your highest spending month? 

If you haven't already, you can fill out this form with any questions you want answered for my upcoming ask me anything post!!

This post is part of NaBloPoMo. You can find the rest of my posts for this challenge here. You can find the list of participants and their information here. 

By The Numbers: June - September

The last time I wrote one of these posts was in June for updates through May! My, how time flies. Part of the reason I did not keep up with this was that I was on the Tour Divide. This is twofold; firstly, I was trying to go fast(er), and so did not want the extra weight, so I sent my laptop home. Have you ever tried doing a budget review on your phone? I have, and it is no fun, so I decided to wait. Secondly, even if I had had my computer, I would not have posted due to not really having the time or the energy at the end of the day or week. You will see though as we go through a few things, that these period (June 14 - July 21) caused a lot of the numbers to change! All of the below numbers are as of Sept 30, 2024. 

El Malpais National Monument, NM

Mileage To Date:

Total Days on the Road: 191

Total Days Ridden: 143

Total Miles Ridden: 8,089

Average Miles Per Day Ridden: 56.57 (vs 48.91 as of June 1)

Average Miles Per Day ridden during the Tour Divide: 72.7

Max miles per day: 101

Accommodation To Date: 

AirBnB: 10

Established Camp: 34

Friend: 31

Housesitting: 5

Motel: 62

Warm Showers: 9

Wild Camp: 40

Total Days: 191

Total average cost per day: $40

Verdict: June and July were rough months for accommodation budget-wise, because they included a stay in Canmore with friends and then the Tour Divide, where you kind of have to take what you can get. However, I also did wild camp a lot, as you can see from the fact that it is the 2nd most used option. Luckily in September, much of my accomodation has been with friends or housesitting, as there were not as many affordable options in the Midwest and Ontario. 

Budget Average June - Sept: 

You ask, I provide! In May, you all thought it was silly that I put cycling costs under Entertainment. So, I have edited my categories, so that cycling and running costs are under Shopping. I have also added a Utilities category, which includes a monthly breakdown for the following, even though some of them are charged only once per year: phone, Garmin charges, subscriptions, credit card fees and internet security (NordVPN). 

Accommodation: $1,041 (↓ from May, highest month August --> $1,412)

Dining Out: $348  (↑ from May, highest month July --> $518)

Groceries: $329  (↑ from May, highest month July --> $400)

Health: $234 (same - insurance premium)

Misc.: $122  (↑ from May - includes CFA membership, shipping, gifts)

Shopping: $287 (↑ from May, highest month July --> $669)

Transportation: $267 (↑ from May, highest month Sept --> $652)

Utilities: $226 (new category)

Average Total Spent: $2,854 ( (↑ 21% from May numbers)

Verdict: Many of these costs, as you can see from the highest month (July) were incurred during the Tour Divide, where I ate more, ate out more, shopped at higher cost food stores, fixed the bike a lot (hence the $669 shopping amount in July), and stayed in whatever room was near the course. This was not really a budget portion of my trip (total spending in July was $3,637). However, if you take out July, my average spending goes down by about 36%. Although I may not have months like this very often, I like to keep it in, as it gives me a good idea of the ebbs and flows of spending that will happen when traveling. For example, although my lodging in September was half the amount of August, in September I paid for a flight that I will not take until December, so my monthly total was not a lot lower. I look forward to doing a recap at the end of the year where the spending flattens out a bit, as month by month is a little harder to see the actual costs. 

Fun side note, in finance we call this smoothing, and it is often a lot easier to look back on several months or years worth of data rather than look at it day by day or week by week. For example if you look at your investment account every day, you could easily get anxious for four days out of every five, but if you look at the last ten years, you will probably note a general upward trajectory. 

Overall Spending To Date: 

Currently, for the six months of full time bike travel, my average spending per month is $2,564. The breakdown per month is: 

April: $1,881 (75% California/Oregon/Washington USA, 25% BC, Canada)

May: $1,845 (100% BC, Canada)
June: $2,410 (50% MT/ID/WY, USA, 50% BC/Alberta, Canada)

July: $3,637 (100% CO/NM/IL/WI, USA) <-- Highest

August: $2,862 (67% MN/WI/MI, USA, 33% ON, Canada)

September: $2,749 (35% OR/NY, USA, 65% ON/QC, Canada)

Verdict: The west has cheaper accomodation and more available wild camping (ie free) options due to there being a lot more national forest, BLM and Crown land. Also, most likely even the motels in the west were a lot cheaper in April than they were in July. I am also getting more tired or more lazy as time goes by, and am not as diligent about always camping or getting food from the grocery store as I was in the beginning.  

To end this number heavy post, here are a few non-cycling related stats! 

Favorite Ice Cream: The mint chip at The Clark Store outside of Steamboat Springs, CO. It was cash only, but a double scoop only cost me $5 and the kids serving it were top notch! 

Double scoop of mint!

Favorite New Town: Marquette, MI. The entire UP was nice, but the town of Marquette checks a lot of boxes. It is right on Lake Superior, it has a sweet bakery (Huron Mountain), is laid back, has good coffee, is walkable, has old buildings, has a Saturday farmers market, and has excellent bike paths! Win, win! 

Marquette Bay

Favorite New Water Related Venue: Although all of the Great Lakes were beautiful, I have a special spot in my heart for Lake Huron. I put my feet into all five of them, but was able to swim a few times in Lake Huron, and it was fabulous. Actually my first week or so in Ontario was all along Lake Huron and other waterways and every morning I got to see the sun rise over the water and it was very special. 

Lake Huron at Blind River

Favorite Food Item: I am back in the land of pate, of which I am a big fan. When I was in France, it was not uncommon for me to sometimes eat bread and pate a few times a day. Currently, I am not doing that, but it is nice to have the option! Bring me the liver! 

Foie!

Favorite Book: I know I have mentioned this before, but I really enjoyed The Indifferent Stars Above. Another one that was thought provoking was The Anxious Generation, which I've also already mentioned. My largest category for star ratings is four stars, so there are a ton more I could add, but you can look at them on my Goodreads page here instead! 

Okay it's your turn!! Do you like pate? What is your favorite water related venue that you have been to? What was your favorite book last month and why? 

By The Numbers: April

It's May! As you may know, this is my favorite month! Bring on the spring time! I thought I would do a quick recap of the last "month" of travel, including some fun facts about ice cream consumption. I started my biking journey at the end of March, so this month will have a few non-April days in it, but here is what we have so far (through and including 05/01/24). 

Mileage Stats:

Total Days on Road: 40

Total Days Ridden: 29

Total Miles: 1,440

Average Miles Per Day Ridden: 49.6

Total Hours (moving only): 164

Average (moving) Hours Per Day: 5.7 (5:40) 

*my guess would be that average time on the road per day (moving + non-moving) would be around 8 hours. I take a lot of photos, potty breaks and food breaks! 

Sunshine Coast Highway

Accommodation stats: 

Established Camp: 4

Friend: 13

Motel: 13

Warm Showers: 2

Wild Camp: 8

Home for the night

Budget stats: 

*I will probably do this each month going forward, but this time, it will include all 40 days so far. 

Accommodation: $1,084

Dining Out: $275

Groceries: $310

Health: $234 (insurance premium)

Transportation: $79 (bus/ferry)

Phone: $81 (this is a family plan, but since I pay for it, I will account for the total)

Entertainment: $292 (bike repairs/satellite messenger)

Misc.: $17 (VPN, credit card fees, gifts)

Total spent for 40 days: $2,357

Monthly (30 day) cost: $1,767

This is good, as my thought was that I would shoot for about $2,000 per month, but I knew I may have to tweak it a little as I got more knowledge about what I was actually spending. I am happy with this, but know that some weeks I may be spending more on accommodation, which is my highest cost. 

Also, in the question form (it's not too late! You can still ask questions here), my friend Dr. G asked, "How has your spending changed? Do you spend 10% of what you did before?" Well, I do not spend 10% of what I spent before, maybe more like a third, but I think I will have a lot more clarity on this answer at the end of the year. It is hard right now, as I am still actually paying a lot for home things (repairs, inspections, upgrades) and so this cost above is really only my travel cost, and in all actuality, I probably spent more in the month of April than I have in a very long time (or ever). 

Peanut butter milkshake at Bend Burger!

Also, because I know you care, here are my specific ice cream stats: 

*I have put these in liters so that they will be consistent. FYI, a normal "half gallon" in the US is about 1.5 L (which is not actually half of a gallon anymore). 

Times I have been to the grocery store: 15

Times I have bought ice cream: 7

Total L of ice cream bought: 7.2 L (~5 half gallons)

Total cost: $22.56 (7.2% of grocery spend)

Average $ per L: $3.13 (~ $4.69 per half gallon)

Cheapest: Bremerton, WA / $2.10 per L (~ $3.15 per half gallon)

Most Expensive: Victoria BC / $5.83 per L (~ $8.75 per half gallon) (celebratory pint after good news! Totally worth every bite!)

Favorite Brand so Far: Trader Joes

Least Favorite Brand so Far: Crystal

Okay it's your turn!! How much did you spend on ice cream last month? How many times per month do you go to the grocery store? How much does a "half gallon" or 1.5 L cost in your neck of the woods? What is your favorite ice cream flavor?