What I Learned

I am a very curious person, or so I have been told. Some people like that about me, but I am sure that I annoy the crap out of others by asking too many questions. I just want to get to the meat of things, and if I have a problem to solve, I do not quit until I find the answer. This can lead to some pretty grim rabbit holes, and some frustration on my part, but the maximizer in me will oftentimes not let go. Many times, these searches or questions come because something goes wrong. Other times, it is my need for perfection that drives the search. I will give you examples of both. The first one on my list is the latter, and the second one on the list is the former. The third is one I learned a long time ago, but one that I find useful for blogging or journaling. So read on for what I learned, the computer shortcuts and blogging edition. 

Putting a hyperlink in a comment. I wanted to link a pair of shoes for Rick in Nance's blog about buying shoes for her husband, but I did not want that super long annoying link to show up; I just wanted a tidy hyperlink. I have done this before, but it is one of the things I promptly forgot afterwards. One thing that I am trying to do (#lifegoals) more is to keep track of things in an organized way so I can either find them later or use them again or not look up the same thing over and over (definition of insanity, right?) So now I (and you!) will have notes on how to do this right here: 

In the area you want the hyperlink, type this: <a href="PUT WEBSITE ADDRESS HERE">PUT WORDS YOU WANT DISPLAYED HERE</a> 

For example, you would type: why not hop over to <a href="https://www.travelspot06.blogspot.com">this excellent blog</a> for more information about coding? And what will show up will be --> Why not hop over to this excellent blog for more information about coding? FYI: This will work on both WP and Blogger blogs. 

Copy + paste clipboard. Sometimes I am commenting on blogs and when I click submit, I get an error and then sometimes I cannot go back and resubmit, so I have to type out the entire comment again and that is frustrating! So I researched how to get my clipboard (aka previously copied information) and it is super easy on a PC (sorry Mac users, you have to figure out your own issues). 

Just click the Windows Button + V, it will ask if you want to start saving your clipboard, say yes. Then what I do is right before I hit submit on the comment, I use CTRL-A, CTRL-C to copy the comment and then if I need to access it again later, I click Windows-V and there I have my list of saved items. To use it, just click on the one you want and voila! No repeating comments or other things. You can also pin ones you use a lot! This also works for clipped snippets (like the Excel clips pasted below!!)

A quick warning though: The Windows clipboard history is available until you restart your computer, except for any items you've pinned. The clipboard history only stores the last 25 items you've copied, and when you copy a new item, the oldest item is deleted.

Excel formula of the week. I love Excel; I use it for travel and packing lists and organization, collecting information, keeping track of things and obviously for adding up costs and doing budgets and things like that. The IF function is one that I use in various forms! You all may know how to use these already, and if so, yay! If not, here they are. And if these seem exciting, just wait until we get to nested IFs! Prepare to be wowed! 

SUMIF --> Used to sum by category when you have a list of numbers or costs etc. In the below example, I want to sum up costs by category. I am telling it to sum the list in column C if the category in column B matches the word in cell E3. 

COUNTIF --> in the same example, I now want to count how many of each category there are. So basically count how many in column B match cell E3. 

IFERROR --> Now that I have my counts, I want to calculate a per day cost. This all well and good but if I remove the word Motel, now I have an error (#DIV/0) for Motel because the count is zero. To fix that, I put the words IFERROR before the formula and then tell it what phrase or number I want it to return if there is an error. In this case I am being silly, but usually I just put 0, or "", which will return a blank. 

Once that formula is done, here is the result. Isn't that fun! 

Oh you want one more you say? Fine! I also love the shortcut ALT = (ALT and equal key) which is used to sum up a column instead of typing out =SUM(H3:H9). Just put it where you would normally put the formula and you are good to go! Okay, admit it; did your eyes glaze over? Or are you excited to share your favorite Excel tip with me? 

Do you use any of these tricks? Or do you have any other shortcuts you use while blogging or commenting? Do you have any fun Excel tricks you want to share? If you are a Mac (or cell phone) user, do you know where to find your clipboard? 

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. 

Travel Planning: Getting The Most Out of Google Flights

Planning travel can be fun, and over the years it has changed (remember calling each airline to ask for pricing when you wanted to book a flight?) However, now we almost have too many ways to do it!! So I am going to tell you one main tool I use and how to get the most out of using it. Obviously flights and accommodation are usually the highest cost items, so in this post I will talk about what I use to find cheap flights, and that is Google Flights. 

Google flights is part of the Google Travel suite, and you can also use it to find hotels and vacation rentals. However, I will just talk about flights for now. Before I start, one of the best ways to get good prices on flights is to use points! However, I will be talking about that on my Money Monday post next week so stay tuned! Let's assume you don't have any points. Here are a few ways to maximize your experience and minimize your cost for flights. 

First, if you have any flexibility around your destination, you can put in your home airport and put "Europe" or "Anywhere" in the destination field and then you can pick depending on price. I use this a lot, as you can easily get from one place to another using regional transport or trains once you are there (which I will discuss more below). 

Next, it may make sense to put in multiple airports in either the to or from field. To do this you just click the plus and add any airports you want to check. In my case, I could go from SFO, but it may make more sense to fly from LA (LAX) for some destinations. If it is a significant difference, you can get a cheap flight on Southwest or whatever the local carrier is and possibly save money without sacrificing time. If you have a lot of time, you can even use further locations and you may even be able to have a couple of fun days in a new place! You can also check "San Francisco area" instead of San Francisco and it will automatically search from San Jose, Oakland, SFO etc. 

Doing this for a trip to Berlin, it was $400 less to go from LA, and a Southwest flight from Oakland to LA is only about $200. If you don't have the time or the patience for this, I understand! However, if you do, it could work out well. Also if you live in a small town or city, it may make more sense to choose some larger cities and then get to the airport on a separate flight or drive. 

I recently looked into flying from SFO to South America. From SFO to Buenos Aires it was about $500-$900 one way on Avianca, but if you go from Miami, it is $300, and you can get a flight from SFO-MIA for $90 on Frontier or $84 on Jet Blue (including one carry on). That is a savings of ~ $110 - $510 each way depending on which one you choose! Sure, it may take more time, but you could go a couple of days early and experience Miami too. 

Speaking of carry on, when I search for flights, I always put a few things into the filters. First, put your luggage in; this will edit the price for airlines like Frontier, where if you do not put this in, the flight looks cheap, and then you add your options (choose seat, luggage, etc.) and it is not as great of a deal. Just beware, as this will add the cost of baggage for some, like Frontier or United, but not for others, like EasyJet. 

I also sometimes deselect some of the connecting airports. If you have ever transited through Chicago O'Hare or Washington Dulles you will know what I am talking about, as some airports are a pain to go through, especially for international flights. 

Speaking of that, for all flights, but specifically for international ones, a couple of other things I watch for are layover time and connecting airport. If you have to go through customs, I would suggest a minimum layover time of an hour and a half, just in case. I once had a 50 minutes in Frankfurt and even though I only carry a backpack (no rolling luggage) I was sprinting and sweating to get to my flight on time. I don't know why they do this, but I would check that closely! 

For connecting airport, here is the rub. Let's say you are flying from Berlin to San Francisco. If you transit in Frankfurt, you will have to go through the European exit customs in Frankfurt, so you will need extra time there. If you fly from Berlin to JFK and then to San Francisco, you will go through the European exit customs in Berlin, and the US entry customs at JFK. This can pose a problem as well, as you may have to retrieve your luggage and put it back through security at this point, so you will need extra time. This is yet another reason to only travel with carry on. Personally I would rather transit in Europe and skip a US layover, and go through customs when I get to SFO, so I plan my flights accordingly. Or even better, I buy a non-stop flight. Sometimes the extra cost is completely worth the decreased hassle factor. 

Speaking of non-stop flights, just as with the departure city, sometimes it makes more sense to get a non-stop flight to whatever major city is cheaper, for example, SFO to Frankfurt, which can be cheaper and saves issues with transiting and customs, and then taking a regional flight or a train or a bus to wherever you want to go. At the time of this writing, round trip flights in January from FRA to either Marseille, Krakow, Barcelona or Seville cost around $200. 

Last, but not least, if you have flexible dates, you can look at the price or date graph, and you can toggle the "track prices" button to get emails when the price changes. 

Actually, THIS is last, but I never book through Google Flights or Expedia or Orbitz; I always go to the specific website for the airline. I also don't book one leg with one carrier and another leg with another, as I have done this in the past, and when one flight is delayed or canceled, it can be a rescheduling nightmare. The good thing about Google Flights though is that you can click through their site to book the flight on the carrier website once you have decided which flight you want. 

I think that is everything! Let me know if you have any questions or want more information. If you are new here and you want to see where I've traveled so far, check out my Around The World page! 

Also, tell me: What website or method do you use to find good deals on flights?

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. 

Money Monday: Easy Ways to Save or Make Money

You know I like a good bargain just like the rest of you, and I am frugal to a fault in some people's eyes. However, I don't think that I give up quality in many cases, and I do prioritize quality in others. For example, I don't need to pay an extra $50 for a hotel with free breakfast when I would rather hit the streets and buy breakfast along the way or have a snack of peanut butter and a bagel in my room. Or, I don't need to eat three meals out when traveling, when I can just as easily eat a bagel and peanut butter in my room and then splurge on lunch. I guess the key is that you have to be willing to eat a bagel and peanut butter! Here are a few other ways to save without sacrificing happiness. 

Be aware. This is the number one thing in my opinion. This kind of goes along with culling your subscriptions, which I talk about below, but I think that you should take a look at what you are spending each month or quarter or year and then change what needs to be changed. Even if you think that nothing needs to be changed, I think it is important to know what you are spending your money on instead of just letting it all go out the door without thinking. This is easy enough as a lot of our banks will let us add external accounts so we can track our spending, but I use Fidelity's Full View. This is free for customers, and if you are not already a customer, you can open a cash management account, which is what I did. 

Open a high interest savings account. The reason I opened a cash management account at Fidelity is twofold. First, they reimburse all ATM fees, so when you are traveling abroad or are going to be in small towns where you may not find your regular bank, you can withdraw money with ease. I rarely withdraw cash, but when I do, it is nice to just be able to get out a little bit and not worry about the $9+ fees that my brick and mortar bank sometimes charges me each time. I was often getting out more (too much) cash because I did not want to go back again for another withdrawal.  

The second reason I did this is also due to their high interest rate. You can either leave your funds in cash, which will get you about 2.44% as of the time of this writing, or you can buy a money market fund, which is currently yielding about 4.50%. If you have money sitting in a checking or regular savings account, I highly suggest you move some of it to a higher yielding account. If you don't like Fidelity, there are also high yield savings accounts online like Marcus or Citizens which also will give you a better rate (FYI: currently my main brick and mortar bank checking account has 0% and my savings has about 0.03%, vs. the high yield accounts, which are around 4.0% - 4.5%.) It literally takes two minutes to open and maybe one or two days to transfer the funds over to a new account. 

Change your phone plan. People, we are past the era where we need to be paying $75 or $80 per month for a cell phone plan. There are so many plans out there now that are cheaper, and they are not worse quality! I personally have Google Fi (this is not a sponsored post, but if you click this link, you can get $60 off) and I have had it for years now and I do not miss my expensive AT&T plan! I was paying $80 per month, and now I pay about $80 for myself and two other people. Before I added the family members, my bill was about $30/month. Google Fi also triangulates between T-Mobile and US Cellular, so it will pick up the one that has the best service and use that. Also, it works internationally with little to no extra charge. When we traveled to Mexico, a friend of mine who had Verizon paid $10 a day to have international roaming, therefore adding about $100 to his bill that month. I paid NOTHING. 

I don't know all about the other plans, but I think Mint Mobile has a deal for $15 a month with unlimited data. Also, the All The Hacks podcast did a more thorough review of all of them if you want to learn more. However, the bottom line is that you pay per GB if you don't use a lot of data, or you can get unlimited data if you need it. Most of us are at home or work most of the day, where we have WiFi, and when that is the case, you do not use any data. I use less than 1GB of data every month. 

After reading this post by CCR, I am adding an addition to this in that if you are traveling internationally, even if you have the expensive Verizon plan, you do not need to pay the $10 per day international fee. Most newer phones now support e-SIM cards, which means that all you need to do is download an app (I use Airalo and if you use my referral code KYRIA0085, you will get $3 off your first purchase). From home you can load up some GB of data and then as soon as you step off the plane, your data will work. Easy-peasy. If you have an older phone, you can also get a real SIM card at most airports or city centers. You can then download things like maps, podcasts and audiobooks so that they can be used offline, use any streaming while in WiFi land and you will barely use any data on the road.

Speaking of referral codes. Before buying most things or signing up for anything, I check Reddit to see if there is anyone offering a voucher or a referral code for it. (I also use cash back apps, which I will discuss in a future MM post). A lot of the time, you will get a discount and probably the person referring you will get something too. Sometimes it can be as high as $60 off, like my Google Fi code, or sometimes it is a % off, or a discount on your first purchase, like Airalo. And I am sure you yourself have referral codes for things you use; you can post them on this site and if someone clicks on it, you may get a bonus too. I have received statement credits on my Google Fi account of $600 (the max allowed) by doing this! You can find my referral codes on my travel tips and hacks page if you are interested in getting a discount or giving me some extra points for something you were going to get anyway. :)

Cull your subscriptions, or alternate them. I know that it is easy to just set it and forget it, but do we really need to have four or five different streaming subscriptions at the same time? What if you make a list of which shows you like on each platform and then alternate one every two or three months? This does require a little organization, but it is worth it. Also, see above; maybe your library app has the show you like! Also, often the channel itself will show the show for free; for example, ABC has the option to watch past seasons of Grey's Anatomy right on the ABC website for free. And who doesn't love Grey's Anatomy? 

Additionally, things like Amazon subscriptions can pile up (hello TP and cat food, I am looking at you!) and so it is worth reviewing them every quarter to see if you really need more of the items on your list. I make a point to review my credit card purchases every month to see if there is anything out of whack, but if you don't have time for that, I think at least once a quarter is a good idea. Even if it is something like a credit card fee on a card that you meant to cancel, you can call them and often get it removed retroactively. And...if even once a quarter is too much, there are apps like Rocket Money or Pocket Guard that will do the work for you, and will even suggest or negotiate better deals for things like your cable or phone bill. (disclaimer: I have not tried either of these apps myself) 

During NoBloPoMo, this will be a once a week feature, so stay tuned for next time, when I talk about credit card hacking! Also, if there is something you want to learn about, or any questions you have, let me know! 

Do you keep track of your spending? If so, what tips do you have? What phone plan do you have, how much data (non WiFi) do you use each month, and how much do you pay per month? Do you have a high yield savings account? 

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. 

This Is The Story of My Life

One of the 36 questions that Elisabeth, Belle and I answered when I was visiting was to tell your life story in four minutes in as much detail as possible. I thought that there was no way I would need four minutes, but lo and behold, I guess my life is long enough (and full enough) that I actually did not even come close to being finished! For me, the issue was not that I did not have enough to fill four minutes, it was that I was shy of speaking out loud about myself for that long. 

And this, I guess, would be the number one thing that I should tell you if you are just getting to know me: I am shy. Not to confuse the two, but I am also an introvert. As I mentioned in this post, I am a social introvert. I do like being around people that I am comfortable with, but I do need to recharge alone, even when the company is fabulous. However, getting back to the shy part, I still am hesitant to talk about myself, I hate being the center of attention, and I get tongue-tied when I am put on the spot. Writing it out is way easier and much more comfortable. You can read it and judge me and I will never know, and I don't have to look at anyone's expressions or worry about what they are thinking about me. 

So let me tell you my story. Let's start at the very beginning, which is a very good place to start (name that tune!). My parents met in a small California mountain town, the birds and the bees happened, and I was accidentally conceived (PS the rhythm method DOES NOT WORK). They had only been together for mere months when this happened. Not only that, but they were just babies themselves; my Dad was 20 and my Mom was 22. My Dad went on a finding-himself road trip to Canada and my Mom probably sat at home and fretted that he would never return. Spoiler alert: he did return and eight months later, at his parent's house, my Dad decided to try to deliver me at home. Typing this out, I wonder what my Mom was thinking; was she really going to let a 20 year old kid do a home delivery with no experience!? For her first baby!? That sounds very 70s to me. However, I was stubborn from day one, or day one minus one, and after hours of nothing happening, they went to the hospital and I was delivered happy and round-headed via C-section, on Mother's Day! 

Mumsy, several years later

When I was growing up, my parents owned their own business in the small California mountain town. It was a summer resort nestled in the mountains next to a river that had cabins, RV spaces, camping, fishing, inner-tubing, rafting, kayaking, a gas station, a general store, a restaurant and a bar. This meant that (a) most of the money we made went back into the business, (b) my parents were on call 24/7, (c) any vacations we had were usually during the winter. And since (a) my parents are frugal and (b) most of the money went back into the business, these were very budget vacations. For example, we had a super old RV that broke down all the time and we would drive it to Yosemite, Death Valley, Big Sur or The Grand Canyon. We would park in a Walmart parking lot or on the side of the road and sleep, and we would wake up early so that we could see the sunrise (I hated this, but of course am now a big fan of sunrises. Go figure). We would play cards and eat sandwiches in the back. My little brother would be a pest and I would ignore him by reading a lot. Actually this was the only way to ignore everyone in those days!

A typical day at the beach: lots of beer and playing with Broski

I suppose this started my love of travel. This also started my love of figuring out how to get the best bang for your buck and also created a resiliency in me for budget friendly travel, sometimes known as roughing it. I also worked for my parents from as early as I can remember. I started by rolling quarters or crushing cans or pumping gas and I made $0.25 per hour. You can read more about that here. I saved these quarters and when I was 11, I used to go stay with my aunt and uncle in the Bay Area and we would go school clothes shopping and I would buy myself school clothes with my hard earned cash. However, for the most part, I saved that money for later. Also despite, or maybe due to, working in a customer service oriented industry, one of my favorite things to do was to be alone and read. I would hole up in my room reading, even sometimes when my brother and cousins were all out playing. However, I would never pass up a trip to the beach and we went nearly every day in the summer. 

I consider myself lucky because growing up, my every day life was most people's vacations. One of the other 36 questions was what you would wish was different about your being raised, and my answer to this was hard, as most things that I didn't like at the time I realize now have shaped me to who I am now, and I am happy with that. Thanks Mom and Dad! You guys were a pain in the ass when I was younger, but I understand now! 

Lucky we had winters free!

In the interest of time, let's fast forward a bit to college, where I worked at Nordstrom to pay for college, but still made it a priority to save for both retirement and for travel! My first trip abroad (excluding Canada) was to France, and I did everything wrong. Since then, I have been back to France several times and have traveled to almost 60 countries, oftentimes by myself. In the 25 years to follow that trip, I have taken a sabbatical or quit my job six times to move or travel abroad (I talked more about this a little in this post). Luckily, for about ten years, I worked a contract job and could kind of come and go as I pleased, which really made it easier to travel without having to be afraid of starting completely from scratch when I got back. Additionally, the contract job was around the US, so I would live and work in a place for several months at a time. Doing this gave me the opportunity to live in Florida for eight months, Louisiana for about six years on and off, Missouri for a few months and Iowa for about eight months. I liked getting to know these places not just as a tourist, but as a resident of sorts. You can find more about where I have been on my Around The World page. 

The social introvert strikes again: making friends at the cricket in Adelaide, Australia. 

During this time, I became a runner, and have completed many road and trail races, from 5k to 100 miles. I also spent a lot of time backpacking, and one of my favorite things each year was the annual summer backpacking trip, often in the Sierra Nevadas, but also in places like Colorado, Wyoming, Idaho, Oregon, Peru and Europe. One of the places I want to go back to is Mt. Everest base camp, as my trip got cut short (but that is a story for another day). 

Donner Lake, Marin Headlands, Dolomites,
Wind River Range, Tetons, Redwood Park (Oakland)

I recently realized that there are many mountains to climb (and cities to see, and people to meet and sunrises to see) and not enough time, so at the beginning of this year, I quit my ten year long Bay Area job in finance, sold or got rid of all of my things including my house, and set off by bicycle to see more of the US and Canada, which is what I am doing now. After I finish this trip, I plan to start traveling the world again, most likely as a slow traveler, where I will stay in one place for about a month a a time. 

Marshall Beach, Golden Gate Bridge and Marin Headlands

And now you are all caught up! Tune in tomorrow when I will be talking about some ways to save or make money with very little effort! Now it's your turn!! 

Do you have any questions for me or do you want to know more about any one topic? What is one word you would use to describe yourself? Tell me three things about yourself that I may not know! 

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. 

Giving NaBloPoMo a Go

Despite having this blog since 2006, I have never participated in what used to be a hugely popular thing called NaBloPoMo. It stands for National Blog Posting Month and it happens every November and was (is) a way for people to test their writing boundaries, get their creative juices flowing, get used to writing and posting every day and to meet others in the same boat. Over the years, people stopped blogging and so it kind of went dormant, except that San, who I have been following since way back in the day, decided to keep it alive by hosting it on her own. You can find the list of participants here. 

I decided to do it this year because I have SO MANY half finished drafts and my plan is to finally finish them, clear my outbox and move on with my life. I also will follow some rules, which I will outline below. 

I will not be commenting on all of the participants posts every day. This is probably the main reason that I have never done this project before. I am a maximizer and also not one to do a job half assed, so I feel like if I am going to do something, I have to do it 100%. I am telling myself, and you right now, that I my 100% will be commenting on maybe 8-12 posts per day, and this includes my regular list of people, even those who are not playing along. I will not leave them behind. I will follow along with the NBPM folks, and will probably read but not comment on a lot of them each day. 

I will still be responding to people's comments. I find this is the most important part of blogging to me, that I am accountable. However, if in the melee I miss one or two, please forgive me in advance. 

My schedule will be thus. I am telling you this because feel free to skip the ones that don't appeal to you; I will not be offended!! And for all of those people who get this in their inbox, I apologize for sending you so much stuff!! Feel free to delete them all and come back in December. I will not take offense! 

Monday: Money

Tuesday: Travel
Wednesday: What I Learned

Thursday - Sunday: TBD / free form

Making the above list just gave me a sense of Deja vu, because back in the day, we used to do Workout Wednesday, What I Ate Wednesday, Wordless Wednesday etc. So many themes!! 

How I will stay organized. I have created a list of posts that I will be writing for sure, as well as a list of ideas for the days where I am feeling flat. I also will write 90% of the posts a few days in advance and schedule them for a few days afterward, so that I am never trying to write frantically the night before. 

I also created a Feedly group where I copied or added all of the participants so I can keep things segregated. This way I can make sure I don't neglect my regular reads because of the hustle and bustle of the NBPM posts. 

Also, to fill in any blanks, I will periodically be answering Ask Me Anything questions, so please go to my form and fill out some questions or leave your questions in the comments below! 

Stay tuned for tomorrow, when I will be telling my origin story for those of you who are new here! 

Have you ever participated in NaBloPoMo? Are you participating this year? What is the number one reason that you blog? If you don't blog, what is the number one reason that you read blogs and/or comment on blogs??

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.