Hiking in Dragash Kosovo

Anyone who says you can't have it all is more worried about what they don't have and that you might end up with more than them.

Recently a number of people have written me to ask EXACTLY how I have been able to travel the world for the past 12 years. After reading a friend’s wonderful post explaining in detail how he has traveled for over 10 years as well at Wandering Earl (yes, people with Wandering names have to stick together) I decided to post my own account.

For those of you who don’t know my background, I left the US in 1998 to visit Japan. Coming from a middle class family, it was my first time on an airplane and I was 21 years old! Over 40 countries (I’m sure I’ll forget to mention a few below) and various different jobs later I’m still on the road, now with my wife and my recently born son.

WARNING: This is a long post.  For word nerds, it is exactly 2,382 words long. For time nerds, it will take the average reader 15 minutes to read and 10 more seconds to understand. Proceed carefully as you will not get this time back. You can of course just read the headlines in about 3 minutes if you don’t want to understand anything that I spent so long writing.

For the regular readers out there I thought I had already told you how, especially in:

5 Steps to World Travel and Getting Paid to Do What you Love

or maybe in 3 Strategies to Help you Succeed and Travel the World. Still not convinced that I’m not trying to hide anything, then check out How to Manage Uncertainty—Don’t where I lay out 7 steps to help you travel and live free of worry.

We Want the Dirty Details including Money Money Money…Money!

But I also know that it can be difficult to relate to such a life sitting behind a pile of bills, late payments, and screaming kids demanding your attention.  I was sitting in my hometown bar a few years ago reminiscing with a buddy about the countries he visited me in. A hard drinking, hard working local took exception:

“Who the fuck do you think you are? Stop lying, no one could have been to so many places. What are you 30 years old? [I was 28] Get the fuck outta hea (that’s New Englander for “here”)

My sister was bar tending that night and told him to quite down. Drunk Dave turned quiet, grabbed his beer tighter and just repeated softly “it’s just not possible”.

Well it is possible, but I’ll be honest, it does require a number of sacrifices, leaps of faith, and the ability to go against the collective wisdom of just about everyone you know and love.

I try not to speak too much about money here on Todd’s Wanderings, since I do like to keep some privacy to myself (most of the bad things I have thought and done in my life qualify). But in this post (and probably the only time) I’m willing to open up about my non-blogging finances and show you just how little you really need to travel the world. As you will see, you can do it while heavily in debt, you don’t need nearly as much as you think, and long-term travel doesn’t have to equal abject poverty. In fact, due to lower costs of living, beneficial tax breaks, and a personal desire for simplicity and lack of acquiring “things” I think I have led a higher quality of life outside of the US than I could have if I stayed (wars and bombing raids included).

1998- Study Abroad in Osaka, Japan

In 1998 I was all set to go on my university’s study abroad program to Japan. At the last minute it was canceled as there were only 2 people signed up. Undeterred the two of us created our own program, found a school to enter and arranged everything ourselves. I was a poor collage student, paying for my school all on my own through student loans and scholarship. I had saved roughly $1,000 for extra expenses (yes, I worked during college). That was not nearly enough, but as a first time traveler what the hell did I know.

Luckily, as we organized the whole trip ourselves I had to pay the tuition upon arrival. Japan is a cash society so I carried $12,000 in traveler checks (yeah that is a lot of $100 checks!) with me on the plane. As I flew over the Pacific Ocean for the first time the exchange rates went crazy and when I landed I didn’t need all $12,000 to pay for school and was able to use the savings to live and travel.

I also cashed in a $1,000 in inheritance to pay for the 900 mile, 88 temple walking pilgrimage I went on after school ended. Life has never been the same since.

Counties Visited: Japan and Jamaica (yes, spring break called)

Money Saved: Nope. Maybe your expectations are too high for me.

Balance Sheet: Still sinking in student loan debt

1999-2001 Shiga, Japan- JET Program

I was lucky and graduated university with only $30,000 in debt. Yes, that’s a lot but that is also how much my private university cost per year!

After graduation I got a job as an assistant language teacher with the JET Program in Japan. This was a fantastic first job and I earned roughly $36,000 per year. I got 20 days of paid vacation, left work at 4 pm everyday, and didn’t have to work in the summer time. I spent all of my money traveling around South East Asia, and exploring Japan.

Counties Visited: Japan, Spain, Vietnam, and Thailand

Money Saved: $0

Balance Sheet: Still sinking in student loan debt

2001 Peru, Parent’s Attic, Chiba-Japan- Private English School

After 2 years in Japan I was looking for a change and returned to the US. I didn’t have a job so I moved back in with my parents and lived in my old room. Despite not have much money in savings I headed down to Peru for a few weeks to hike the Inca trail and explore the Andes Mountains.

Deciding it was better to be working abroad than unemployed in the US I found another job teaching in Japan for about $30,000 a year and moved to Chiba (near Tokyo).  Living near Tokyo was tough but I stilled traveled and managed not to save any money. I kept paying the minimum on my student loans and saving money for travel.

Countries Visited: USA, Peru, Cambodia, Laos, Singapore and Thailand

Money Saved: $0

Balance Sheet: How long can I keep treading water before I drown?

2002-2004 Shiga, Japan- Elementary School English Teacher

Unfortunately, I had to admit that being broke and living near a big city like Tokyo was just not fun.  So, I called in some contacts and found a new job back in my old area of Shiga Prefecture, Japan. Getting back to the Japanese countryside was great as was the return to my JET salary of $36,000 a year.  Money and free time still went to paying for jaunts to South East Asia as well as slow travel around Japan.

Countries Visited: Thailand, Myanmar, South Korea

Money Saved: $9,000

Balance Sheet: Getting smaller. $20,000 still in the hole.

2004-2006 Graduate School in Boston, Thailand and Japan (yes again)

Five years after graduating I was out in the world but making the exact amount of money as when I started. I was also chained to a job and was only able to travel during vacations. Plus, teaching English might be great for some people, but it was decidedly not my passion. It was time to make a change. I got into graduate school for International Relations and moved to Boston.

I visited Japan (yes, an ex-girlfriend) over winter vacation, broke up and then for the summer between year 1 and 2 I got an internship in Thailand. I lived in Bangkok for 2 months, toured the country, visited Cambodia again, and then headed back to Japan for 1 month to walk the Shikoku Pilgrimage again. I paid for it with a $2,000 grant and with a work for shelter and travel agreement with the NGO where I volunteered.

I paid for 2 years of graduate school the only way I could, I took out massive amounts of loans (private and government subsidized), blew through my $9,000, worked part-time, and maxed out credit cards. In the end I decided I would rather live the life I wanted and owe money than be miserable with a mortgage :)

Countries Visited: USA, Thailand, Cambodia, Japan, Canada, Las Vegas (trust me it’s like another country)

Money Saved: Ha!

Balance Sheet: took a beating- $100,000 in debt (Credit Cards and Student Loans)

2006 San Francisco, Timor Leste (East Timor)- Intern, Governance and Conflict Consultant

Biking in Timor Leste

Life is serious business filled with nice hats and big glasses

When you are $100,000 in debt, what is the smart thing to do? I did the opposite and took another internship, this time in the expensive city of San Francisco for 3 months. I was paid exactly $3,000 to keep me alive and slightly breathing. I cobbled together a string of couch surfing and sublet agreements and slept in 5 different houses over the 3 months. I even managed to drive the length of route 1, party in La Jolla for the 4th of July, and enjoy Big Sur on the way back.

The phone rang one day, 1 week before my contract was up, and I was offered a 1 month assignment in Timor Leste (yes, the number “one” seems to be important here).  I said yes without the slightest hesitation, dropped a bag and flew out a few days later with no intention of returning. I lived in Timor for 6 months, traveled the country, and explored Bali and the rest Indonesia.

Oh, by the way, Timor Leste was when I first created Todd’s Wanderings!

Countries Visited: Timor Leste, Indonesia, Sri Lanka, Singapore

Money Saved: Just glad I was able to start eating again

Balance Sheet: Still $100,000 over my head.

2007-2009 Sri Lanka (the civil war years)- Human Rights Advocate

With a few months of experience under my belt in my new profession I followed a girl (now my wife) to Sri Lanka right when the civil war was starting back up. It took me about 3 months to find a job, but I found one, worked my ass off as a human rights advocate, and eventually turned it into a Country Director position. The NGO had no idea that I was going to do that, but it just shows what you can accomplish if you try something new.

During this time we enjoyed the hell out of Sri Lanka and I got to start enjoying traveling for work and adding fun to the end of each trip. It is an amazing thing to get paid to travel! I also set the stage for my debt reduction and retirement savings plan. Read the post How to Manage Uncertainty—Don’t to see my strategies here. Basically, I cashed in some investments and paid off my credit cards, rolled the monthly interest savings into my student loan payments, started saving for retirement, an eventual house, travel, and food when I had a chance.

I started off earning $38,000/year and left making about $47,000 a year. But with no taxes and low cost of living, life was good.

Countries visited: Sri Lanka, Maldives, India, Thailand, Cambodia, Malaysia, Switzerland, England, Japan, Dubai, USA

Money Saved: Probably about $15,000 over 2 years

Balance Sheet: Owed about $89,000. I was beginning to learn to how to swim.

2009-2011 Kosovo- Consultant, Peacebuilding, Rural Tourism

The war finally ended and it was time to move on. We did the only sensible thing and my wife and I packed up and moved the Balkans. She took a job with the UN and I started consulting. When consulting work dried up I landed a job working for the United Nations in the divided town of Mitrovica in Kosovo, and moonlighted pro bono writing a hiking guide to southern Kosovo. Yes, this was the beginning of combining my travel writing with development work.

Let’s just say working for the UN in a non-family duty station (yes, I had my family with me) is very good for the bank account. This part of my life is a bit too fresh to share all the details with you but you’ll get an idea in the overview at the end of this section.

Between the UN, consulting, and having a baby boy in Japan I did quite a bit of traveling these 2 years. I am also a firm believer in saving money when it is available so I kept my normal lifestyle and socked the savings into paying off debt, saving for a house and…you guessed it… traveling.

Countries visited: Singapore, Timor Leste, Sri Lanka, Austria, Kosovo, Turkey, Macedonia, Montenegro, Albania, Croatia, Slovenia, England, Netherlands, Jordan, USA, Japan, Maldives, Bosnia, Bulgaria, Italy

Money Saved: $40,000

Balance Sheet: Owed about $56,000 in student loans. All private loans with high interest rates have been paid off, I never carry credit card debt, and the rest of the loans are at a low 3.25% interest so they get the minimum payment for life and the savings will go into investments.

You don’t have to be rich, or poor, to Travel the World

I don’t expect you to run out and mirror my life. But I hope that you realize that traveling the world is a decision that you have to continually make. Sometimes you will have money, other times you won’t. That is the nature of having a freer life. But it can be done. I’m still doing it, my wife is doing it with me, and now our son has joined the party. Besides the travel aspect we are doing the type of work we love and getting paid for it.

In terms of my blogging money I earn about $1,000 or more a month. Most of this goes back into the business in one form or another. I have plans to implement a new strategy that will hopefully expand this income but even if it doesn’t I’m quite happy with it and the additional security it brings me and my family. My goals for my website and writing endeavors are to provide for my family when we don’t have other jobs, eventually replace our current income, and continue to prove we can get paid to do the things we love.

Never underestimate the value of living in a cheap country, or following your dreams!

What are your secrets for traveling the world?

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102 Responses to “How I Paid for 12 Years of Continuous Travel”

  1. PhilipNo Gravatar says:

    Hi Todd, I finally checked in with your blog again. Good stuff. This posting seriously has me thinking about travel and finances. I think you sum it up nicely when you talk about how life is full of choices. At this point, my goal is to travel the world, save for retirement, buy a house, pay for the kid’s college…all the while staying debt free. I’ve spent the last year getting rid of stuff I’ve accumulated over the last 10 years, exercising much more, and putting the pieces in place to make the goals happen. I’ve also been listening to a lot of Dave Ramsey and following his advice re the Total Money Makeover. There’s still much more work to do. I look forward to building a dream lifestyle with the financial issues taken care of. Thank for sharing your situation. I also look forward to learning more from you – someone who is fully in the trenches!

  2. onieNo Gravatar says:

    great site. full of information.

  3. Amy XuNo Gravatar says:

    I accidently found your posts yesterday looking for thing to do and place to eat in Tokyo. I love reading your writing and is 4:00am in the morning. I wish I don’t have to work tomorrow morning and take kids to school and daycare so I can read more. I can’t agree with you more that traveling do require a lot of money. It really depends on what you want and be smarter traveler.

  4. dhdvikasNo Gravatar says:

    nice blog and inspiration blog .i want also travel long tours this is my dream .actually i like your post. and your perfect word with real experience .at finally i like your mirror of life quote.

    hotel auburn

  5. NianestNo Gravatar says:

    I am SO glad I read this post. Such an inspiration!

  6. “Anyone who says you can’t have it all is more worried about what they don’t have and that you might end up with more than them.” -True. You worked hard to be where you are. Good luck with everything!
    Alexa Meisler´s recent [type] ..Travel Items All Men Should Have

  7. ElaineNo Gravatar says:

    This is such a great post. Thank you for being so thorough! I actually popped over here by way of TBC. It looks like it’s been a few months since you’ve posted there–will you be continuing that project?
    Elaine´s recent [type] ..Eating Gluten-Free in Zagreb

    • Todd WasselNo Gravatar says:

      Hi Elaine, thanks for the nice words. I think that TBC has run its course for me, but I’m leaving the project up on the internet for anyone who wants to join and dig through posts and the forum. Good luck!

  8. “I don’t expect you to run out and mirror my life. But I hope that you realize that traveling the world is a decision that you have to continually make. Sometimes you will have money, other times you won’t. That is the nature of having a freer life. But it can be done.” Thanks for this line, you inspire me! :)

  9. Eric ManleyNo Gravatar says:

    Hey! I really enjoyed your post and it certainly outlines a ‘style’ of life that I hope to achieve and live. Like you said I don’t plan to mirror your life, but it gives hope to someone who is currently wondering if it is possible to travel and still be wealthy enough to feel safe, healthy, and free. I was wondering, what college did you go to and what did you major in? The only reason I ask is I’m wondering how important it is to employers (schools) that you have an english major to teach english abroad (which is what I want to do)

    • Hey Eric, I studied Asian Studies in undergraduate and focused on Japan. The english teaching scene has become more competaive these days but you can still find jobs as long as you have any BA. However, i’d suggest doing a certification course like the CELTA (I think that’s the name) that gives you a specialized certificate in teaching english as a foriegn language. With that you are sure to meet the requirment of any employer. Good luck.
      Todd @ Todd’s Wanderings´s recent [type] ..Trusted Travel Questions and Answers

  10. Chris CurtisNo Gravatar says:

    My Secret to living and traveling cheap is to do it on a boat. Sailing is actually very cheap (if you refuse to look at the glossy magazines). You can use the wind and go thousands of miles at zero cost. Boats can be bought for the price of a cheap car. Once you get wherever your going, you have your house and all your belongings with you. You can bring enough food with you to live for months and if you get sick of the view, pull anchor and look for the next “paradise”. Your blog and writing are very inspiring to me. I’m currently into a multi month investigation to see if I’m going to go cruising again, but for good this time. If I do, I’ll be taking my family of four with me with the goal of staying out until the kids graduate from high school (about 4 years).

    Thanks for your efforts and help!

  11. eva hamoriNo Gravatar says:

    Nice to meet you Todd!
    Our family has been travelling for about 10 years, twice a year and finally moved to Europe this year to be more centrally located. With our 2 kids, people ask all the time, how do you do it? You sacrifice on the day to day stuff, the rewards, like new shiny cars, fancy clothes and private school, but in return we are world educated.
    The people we meet online are a smart bunch. Why not live right now, right? You can’t take it with you and the same goes for debt.
    eva hamori´s recent [type] ..The King’s Cake

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