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Our Frugal Vacation for Members of the Former Middle Class

 

How We Took A Frugal Vacation As Members of The Former Middle Class

This fact is in spite of what Erika Rawes wrote in The Cheat Sheet entitled, ’10 Things the Middle Class Can’t Afford Anymore’. At the very top of her list was the word, VACATION.

This blog post will disprove her statement. In addition to disproving her, I also pronounce that the Middle Class she referred to is disappearing and becoming The Former Middle Class. Even with that added financial burden, it is possible to take a frugal vacation.

It is different from a Middle Class or Upper Middle Class vacation. I will not dispute that. Actually, it involves actions that a middle class person would not take or need to take. Nonetheless, it is still a vacation. I have proof. That proof is what this post is all about.

frugal vacation
10 Things The Middle Class Can’t Afford Anymore by Erika Rawes

I had not seen most of my family for six years. They live in Colorado. In fact, the last time I had been to Colorado was for my nieces weddings. Their four children were not yet a gleam in anyone’s eyes. We were long overdue to visit now that I had become a great-aunt. Since we had become member of The Former Middle Class, I did not know how that was going to be possible. As it was, we were barely making ends meet.

But as my husband and I told ourselves, life is short. We are both hovering about our seventh decade and live a day at a time. So one never knows how many days, weeks, months or years that might be. Time was of the essence even if the funds were not apparent. I was determined to make this the year we would return to Colorado, it’s beautiful mountains, past great fly fishing experience and now three great nephews as well as a great niece.

This Is How Financing Our Frugal Vacation Came Together

Pay close attention to this part because this is how to create the opportunity to take a frugal vacation. There are essential ingredients to this alchemical formula. They include and are primarily:
• Travel Rewards Credit Cards
• Promotions
• Help from family
• Help from friends

TRAVEL REWARDS CREDIT CARDS
Without having any idea when a trip to Colorado would happen or what it would cost, I went ahead and signed up with our first Travel Rewards Card, The BankAmericard Travel Rewards Card. It was with a highly reputable bank and the one we also had other cards with. After using it for a little while, we accumulated a few hundred travel rewards points. One ticket was charged on that card. This card happens to be the top card recommended by Wise Bread in this article.

frugal vacation
The BankAmericard Travel Rewards Card

 

I then took advantage of another promotion towards realizing our frugal vacation. It was a Travel Rewards Card from Capital One, Venture One.

frugal vacation
The Capital One VentureOne Travel Rewards Card

By the time I had paid for the airline tickets, I did not need to use the equivalent in travel points of $200.plus. I called Capital One and they were able to upgrade me to the Quicksilver Cash Rewards Card. This became the equivalent of cash I could use anywhere for anything. It actually paid for our out of pocket expenses on our trip.

frugal vacation
The Capital One Quicksilver Cash Rewards Card

frugal Vacation
Delta Skymiles Credit Card
In continuing my Travel Rewards Credit Card research, I came upon a number of articles about what were considered the best cards for travel rewards. One in particular recommended the Delta SkyMiles Credit Card. It just so happens that Delta Airlines flies to Denver. Also, the promotion for this card included $100 off the first trip and 30,000 additional points if a certain amount of money was charged within a certain amount of time. From past experience, I knew this would be manageable. Due to some confusion with signing up, I ended up with two accounts, saved $200 on our flights and am now working on the 30,000 travel rewards points.

OTHER PROMOTIONS
When it came time to go home, we decided to try the SuperShuttle. We had taken the newly completed light rail system from the airport to the hotel. It was a bit grueling as it happened to be raining and snowing that particular day in May. Although it was a thrifty $9. for both of us. Using that method of return transportation was out of the question.

In arranging for our $38. Super Shuttle ride to the airport, there was a prompt on the phone that gave us the opportunity to receive two $20. refund coupons. I usually ignore these kinds of offers. But as a Former Middle Class, I felt it was my duty to investigate. We signed up for $1 to try the greatfun.com website. If we didn’t like it, we could cancel within thirty days and we would receive no other charges. I have to make sure I contact them before June 23. If not, the fee goes up to $16.99 per month.

THANKS TO FAMILY AND FRIENDS
Our family treated us royally providing food and lodging. Friends drove us to and from the airport, lent money to fill in the gaps and one friend in particular lent us two suitcases which she then said we could keep. Let me not forget our neighbor who took in our mail for the time we were gone so we did not have to deal with the post office.

We already miss the mountain view outside our hotel window. With all the travel points we are now accumulating who know how soon we will have a snow capped view when we look outside. We hope and plan that it will be soon.

frugal vacation
View of Snow Capped Rocky Mountains Looking West From Denver by John Bielick on Flickr
CONCLUSIONS
From when we first started pricing our trip, the flight costs rose daily. My husband searched for several days and became dizzy between all the various supposed discount options, Orbits.com, Travelocity.com, AARP.com and others. For some reason, I decided to try again. It seemed to me that there had to be a way to get to where we wanted to go and back for under $1200. By the time I finished the research, locked in our fares and got promotional discounts, our airfares were $650 including flight cancellation insurance. Now that we have shared some of the ways to took our frugal vacation, we hope you will find these tips helpful so you can take a frugal vacation, too.

SOURCES & RESOURCES
Cheat Sheet Article

No Hassle Travel Rewards Card With Highest Results

5 Top Travel Rewards Cards

Delta SkyMiles Rewards Card

Super Shuttle

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Money, A Government Commodity

 

Introduction
Money
The Poor Middle Class Crisis, Financial Survival Resources Guide by Alison D. Gilbert © 2017
Money, as a government produced commodity is more friendly to the wealthy and decreasing so as one approaches poverty. As a Senior Suburban Survivalist, or a member of The Former Middle Class, The Poor and even the dwindling Middle Class, we need to find more impartial, equitable survival resources. They need to be less dependent on government produced and controlled money.

In addition to the inequity of money is the fact that many of us no longer have enough income or savings to live the traditional life we grew up with or used to have. In other words, we are no longer Middle Class Americans. We are part of the Poor Middle Class Crisis. Many of us are in debt. Many of us baby boomers are now seniors and beyond significant employability.

The most devastating causes of the loss of one’s money can be a serious illness, a death, the termination of a good job, as well as storms and earthquakes. A significant economic downturn can scoop up more of the Middle Class and deposit us, like yesterday’s trash, into the heap of The Poor Middle Class. Some people ended up in the depths of poverty and homelessness from the horrific hurricanes of 2005 and 2012 and the stock market crash of 2008.

Learn more about The Poor Middle Class Crisis and our story in the Poor Middle Class Crisis eBook available on Amazon.com, the introductory facebook page of the same name and the companion facebook resource, support group, Financial Survival Resources for The Poor Middle Class.

Time For A Change
Here is an introductory video to the homesteading life, Off Grid with Doug and Stacy.

It is time for a change, a paradigm shift to a new kind of economy. We need an economy that offers alternatives to money as its foundation. We no longer have a large Middle Class or the ease to be part of it. Our government’s focus has shifted. We have a growing Poor Middle Class and increasingly fewer people in possession of the government produced money.

If the economic paradigm does not shift, this is the direction we are headed in. Many people will have to live like slaves. They will continue to have to work two and even three minimum wage jobs. Even then, they may barely make enough money to survive. Also, they may still need government assistance, like food stamps to make ends meet and health insurance to survive.

money
This is the new suburbs, camps of homeless people who find refuge in suburban wooded areas. Although not legal, this is a place to gather as a community for safety and survival. From NJ.com.
Disastrous Results From Uneven Distribution of Government Money

If people are not fortunate enough to find work, are not able to work, can’t support themselves or their families and cannot get enough government assistance, they may also become homeless. The number of homeless people in this country is also increasing. One of the changes that needs to take place does not involve going backwards.

The problem will not be solved by increasing jobs in outmoded technologies that will be short lived and not provide health insurance. It will also not be solved by the government’s shifting money around where even less goes to the needy and more goes to national defense. As we know, the haves will rarely give enough to help the have-nots unless they are forced to. It does not look like the current administration is of the mind to force the very wealth to do so. This would require a substantial tax restructuring. This is not going to happen, either. Therefore, what is required is a completely new kind of economy.

money
Depression Era from Freshman English on Wikispace.com
Exempt From Disaster

The ultra-wealthy 1% and other very wealthy people might be exempt from needing to be part of this paradigm shift. They could keep their money. In fact, they would continue to monopolize this government commodity. But for those of us who suffer from the lack of money and the results of the unwillingness of the wealthy to share theirs with us, we need a system for The Middle Class, The Poor Middle Class and The Poor to rely as little as possible on government controlled money. As the saying goes, ‘the solution is not in the problem’.

Alternatives To A National Government Money Based Economy

I believe that we are in the beginning of this paradigm shift. Money is becoming harder to come by for too many of us. Therefore, we need to be less dependent on it. As a matter of fact, cash produced by our government is much less involved in our daily goods and services transactions. Here are some of the ways this has already changed:

money
Local Currency as shown on Wikipedia
• Paying with credit cards and being rewarded for it with cash or travel points. See posts about Cash Rewards Credit Cards and Travel Rewards Credit Cards.

• Community currency or local currency is defined by Wikipedia as “In economics, a local currency is a currency that can be spent in a particular geographical locality at participating organisations”.

• Bartering all kinds of food and products (on an individual or community cooperative basis) The Barter Network

money
The Barter Network

• Acquisition without money such as foraging for food, using natural sources of energy, street find, reuse of existing found materials, scavenging for food and other usable items

• Homesteading and off grid living as close to what nature can provide with a bare minimum of cash to live such as Off Grid with Doug and Stacy

 

Bitcoin is a digital, international coin system not produced by the US government

Conclusion

This is just the beginning of opening the doors and windows of the proverbial ‘thinking outside the box’. Paradigm shifts do not take place overnight. They only appear to in an historical perspective. We do not have that perspective, yet. This movement is much too new. But the good news for many of us is that is it a is happening and it is in its beginning.

Senior suburban Survivalism

 

 

 

Sources & Resources

The Viper Tool Storage Company

The Poor Middle Class Crisis eBook

The Former Middle Class

Financial Survival Resources for The Poor Middle Class

Senior Suburban Survivalism,

Bitcoin

Off Grid with Doug and Stacy

How Bartering Works

Local currency

The Barter Network

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USING CREDIT CARDS

 

Credit Cards
WARNING, using credit cards can be like carrying a loaded gun. At the same time, they can be financially beneficial if you know how to shoot. On the other hand, they can be deadly if you don’t. In fact, many people do end up in debt using them. The interest that accumulates can make it impossible to ever pay them off. Groups that help people get out of debt prohibit their use altogether.

credit cards are a financial survival tool for the poor middle class crisis
Credit Cards from Linkedin.com

But in my case, using credit cards is part of my financial survival toolkit. With this caveat, I also strongly suggest the following. If you are not able to be vigilant using them by never missing a payment, do not include them in your financial survival toolkit.

 

How I Make Money Using Credit Cards
Yes, I have actually learned how to accumulate cash or credit towards purchases using my credit cards*. So far, I have discovered two ways to create income. If you know of others, please let me know. I have the following cards:
• a cash rewards card
• a travel points card
* The ‘income’ from them, the cash rewards are not taxable because the money is a discount or purchase rebate, not income itself.

 

Cash Rewards Credit Cards
Some banks offer credit cards that accumulate cash points for purchases. The points are a percentage of the expense. They range between 1% and 3%. I have been able to earn about $20/month with this system.

the poor middle class crisis financial survival toolkit
The Chase Freedom Unlimited Cash Back Visa
* Mention of this card is in no way an endorsement of it.

 
Travel Rewards and Sky Miles Credit Cards
I signed up for a travel rewards credit card when the bank had a special promotion. If I charged a certain amount of purchases within three months, I would receive 20,000 in travel points. I did this. The travel points will go towards a trip out of state to see family and friends.
Financial Survival Toolkit for the poor middle class crisis
Five Star Sky Miles Credit Card
* Mention of this card is in no way an endorsement of it.

 

Sources & Resources
Here is a list of the best credit cards for a variety of categories. You can explore these websites for even more suggested card categories.

Excellent Credit Scores:
Excellent Credit Score Cards

Cash Back:
Best Credit Cards for Cash Back | Compare Cards

Travel:
Best Travel Credit Card-BankAmericacard Travel Rewards

Credit Karma | Best Travel Credit Cards

General use:
Best Credit Cards for 2017 | Compare Cards

Credit Karma | Best Credit Cards

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