

Some of us aren't quite ready to take that overseas trip, while others have long given in to the travel bug and have been on flights since before the U.S. required negative COVID tests to return home. (Oh, I know I'm not the only one). If you're a travel lover like me, you might have been keeping a watchful eye on those coins in the past few months, looking for ways to save just to book the flight and luxe accommodations. Well, I'm also a discount lover with the I-got-it-but-I-ain't-spending-$5,000-on-nobody's-travel-package bougetto kind of traveler.
Whether you're among those waiting another six months or so before using those travel credits, or you're all set to go on your next adventure soon, check out a few tips that have helped me in planning luxury travel on a budget:
1. Venture beyond the usual third-party discount sites for booking trips.
Listen, we all know about the whole savings tip of traveling during off-peak times, and we know that Groupon is the go-to OG for booking discounted trips. (So are Expedia, Orbitz, Hopper, and Kayak.) However, sometimes I don't have the time or just don't want to fly out somewhere during some weird season where the vibes are nonexistent or just not festive. (Oh, and let's not forget the "revenge travel" that's going on now, making us all forget what a "peak" season even is with all the crowds and price surges.)
I've found great deals and discounts by going directly on a hotel's or airline's official website and signing up for their membership programs. Doing this allows you to avoid missing out on perks like having the ability to upgrade or have to deal with the sneaky third-party fine print that says the booking can't be changed or adjusted. For example, Hilton Honors offers some amazing perks for members to stay at their more than 5,900 properties around the world, their options are diverse and fabulous for staycations and overseas trips, and their customer service is everything.
I also love the Marriott Bonvoy program, where you can earn free nights and get updated on special member rates. (And don't think of Marriott as that budget hotel your family always stayed in for the annual reunion. They've got some pretty amazing luxury properties around the world including the W and the Ritz Carlton brands.)
2. Tap into rewards.

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It's also a good idea to check out your favorite airline's rewards programs and, for trips that take more than 8 hours or might be that one-time-a-year treat, book directly with them as a member. I absolutely love American Airlines Advantage, and they're my fave for my many trips to the Caribbean. The miles seem to rack up pretty quickly, the boarding process is typically seamless and stress-free, and miles can be used without a lot of annoying and inconveniencing stipulations.
Many credit card companies offer rewards on travel (NerdWallet has an excellent list of the best, by the way) and if you travel a lot, it's a good idea to look into the best ways you can make both your debit and credit cards work for you in terms of saving coins. Several banks offer cashback rewards on your purchases, so check out a few of those as well. (Here's a link to get you started, sis. You're welcome.)
3. Add luxury touches pre-trip.
You might have a coach ticket, but that doesn't mean you can't have a bit of luxury during your commute. I'm a huge fan of airport lounges, and if you're not into spending $600-$800 for access, try a day pass. American Airlines offers one for its Admiral's Club access where, for $59, you can get chef-inspired food and drinks, comfy seats to scroll the web via their free Wifi, and some even have shower suites. United, which has more than 45 lounge locations, also offers a $59 day pass that can be purchased via their app.
I also have no shame in bringing my own mini-bottles of top-shelf alcohol (if it's that kind of trip!), which can run you just $1.50 to $7.00 per bottle for brands like Johnnie Walker Black, Patron, Kettle One, or Ciroc. I simply pack my "nips" in my carry-on bag and add them to mixed drinks (virgin, of course) or juices for a pre-boarding cocktail.
You can also add luxury to the commute to and from the airport by spending a few extra dollars with Lyft Lux and ride in style via a high-end sudan or SUV. Only drivers who are highly rated and experienced are allowed to participate. And who wouldn't like getting picked up from the airport in a nice, clean BMW, Lexus, or Cadillac?
For the times when I can't swing hundreds of dollars a night for lodging, I pack luxury items to take with me to the budget digs. Items like a silk robe or lingerie, aromatherapy bath oils and gels, satin pillow cases, small scented candles or bottles of sparkling water (bought at the airport of course) all add that luxe touch to my stay.
4. Book a villa or home rental vs. the usual resort packages.
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I get that many people are just used to resorts and like the one-stop-shop vibes of just booking a weeklong stay for $2,500 or more and enjoying all-inclusive amenities the property offers. But I've found that traditional resorts just aren't my cup of tea. My idea of the "luxury" I should be getting for that price just never seems to match up with what many offer. (Either I don't like the food or the customer service as much as I should for the price, or the entertainment is just not within my tastes.)
Sometimes spending that same $2,500 to book a longer stay at a villa or home rental is a much better experience, and you get to really tailor or choose the version of "luxury" you prefer.
For example, in Negril, Jamaica you can get a private home with a pool, proximity to a private beach, and modern amenities for $250 to $300 per night, and simply hire someone to come in to cook custom meals for you. (Trust me, they're out there. If the host can't connect you, it's easy to find one by asking a taxi driver or restaurant host.) You can create your own fun, utilize the technology, and have privacy. To me, that's a more luxurious experience (and more bang for my buck) than being limited to cafeteria-style and chain-food-serving restaurants, sharing a resort pool with dozens of people (who apparently flew thousands of miles to hear Top 40 hits of the early 2000), or being underwhelmed by drunken tourists doing absurd versions of twerking.
5. Think outside the (location and type) box when it comes to lodging.
There are so many so-called hidden gems that have a luxury vibe but are not among the popular or well-advertised spots. For example, instead of staying on the popular Hip Strip of Montego Bay, sometimes I opt for Lucea, Jamaica, a small town located between Negril and Montego Bay. Try the Grand Palladium, which will run you about $250 to $321 per night vs. popular resorts in Negril that cost upwards of $400 per night for similar amenities. Or instead of staying in Tulum or Cancun, Mexico, where luxury hotels might run you upwards of $350 per night, try Playa del Carmen or San Jose del Cabo, where the average prices for luxury stays start around $200 per night.
Boutique hotels in popular vacay destinations also tend to offer good deals on room rates, and you'll still get the luxury feel of a resort. I like Villas Sur Mer which features the cutest cottages, a beautiful pool, cliff-side access, and amazing views for as low at $126 (during some seasons).
Also, luxury hostels are a thing. (Travel Binger has an awesome list of top spots around the world.) You get luxe touches like modern amenities (think: underground clubs, laundry services, private terraces, chic cafes, and travel shops), great views, and customized extras at super-affordable rates.
6. Research organizational affiliation and student deals or corporate discounts.
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I often overlooked this until I found out that as a grad student, I qualify for quite a few discounts or deals on everything from plane or train tickets, to transportation vouchers, to hotel stays. If you're part of a sorority or volunteer organization, you're a military veteran or active service member, or you're a church leader, you might be eligible for discounts. Also, memberships with orgs and companies like AAA, Costco, BJs, and credit unions can have the added benefit of travel deals. Your school's alumni association might even offer discounts.
I've also, in the past, worked for companies that had partnerships with other brands and offered discounts via those partnerships. Check your job's website or ask an HR rep about any sort of travel discounts you might be eligible for as an employee. (Oh, and check out these companies that offer competitive benefit packages that put vacation at the forefront.)
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Love Is The Muse: How Skylar And Temi Built A Creative Life Together
When Temitope Ibisanmi DM’d the word “muse” to Skylar Marshai, he knew he was shooting his romantic shot. He didn’t realize, however, that he was connecting with his future business and creative partner, too.
“I was the boyfriend,” Temi says. “Everybody out there knows, you’re the cameraman at that point.”
Skylar sees things differently. At the time, she was shooting content on her iPhone. Temi came into the picture with a new perspective, an understanding of tech, and, eventually, a camera. “He doesn't give himself enough credit,” Skylar says. “He wasn't just my tripod. He wasn't just standing behind the camera and going ‘click.’ He was giving advice. He was giving me insight to how I could look at things from a different perspective. And I was like, 'Oh, he’s an artist.' I think it was maybe a heartbeat of that kind of energy of like, ‘Baby, can you take this picture?’ And it turned so quickly into, we're partners. We can work together in a way where we're advancing each other's creative thinking.”
The pair often says they’re two sides of the same coin. Skylar is an Aquarius. She attended art school, paints, and loves poetry. She’s more than happy to let the couple’s management firm and agency, Kensington Grey, handle their admin work. And, she loves to sleep in. Temi, on the other hand, wakes up early. He’s a Virgo. He loves a to-do list and regularly checks in on the couple’s brand partnerships spreadsheet to make sure everything is on track.
Because his storytelling was steeped in his love of technology, he didn’t always think of himself as a creative person. “Where I [am] the dreamer who wants to pluck things out of the sky and spend all day with my head in the clouds, Temi [is] so good at grounding me and helping me figure out how to make things make sense on paper. We just work together in such a complimentary way,” Skylar says.
It’s been more than six years since Brooklyn-based couple Temi and Skylar started dating, and nearly four since they cemented their working relationship. On TikTok and Instagram, the couple’s travel, fashion, and home content regularly rack up hundreds of thousands of views. They’ve worked with brands such as Coach, Aesop, Away, and Liquid IV, bringing their vibrant perspectives to every campaign they execute. Still, nearly two years since both Temi and Skylar committed to full-time content creation and creative directing, the couple says their romantic connection remains their priority.
“We told each other we would much rather go back to full-time jobs and preserve our relationship than to be full-time freelancers, barely getting a night's rest [and] barely kissing each other because we're so busy shooting,” Skylar says.
Working from home can make it hard to separate work from personal life for any entrepreneur. It can be even more challenging when your business partner is also your lover. Temi and Skylar had already used couples therapy as a tool to help them effectively communicate with one another. When they ran into challenges while working together, their therapist helped them set physical boundaries to help combat the issues.
"We told each other we would much rather go back to full-time jobs and preserve our relationship than to be full-time freelancers, barely getting a night's rest [and] barely kissing each other because we're so busy shooting."
“It actually took us doing very specific physical things to create boundaries between work and play in our relationship,” Skylar says. “So, for instance, we will only have conversations about work when we're out of bed or we're at the table or in the office. Initially, when we started, we had to light a candle to say that, 'Okay, this is a space where we're connecting, we’re not talking about work.' We needed really hard boundaries at the top. And then it became a little bit more organic.”
The boundaries have been crucial to implement, especially because the couple began working together so naturally. When the pair first met, Skylar was NY-based a social strategist for BuzzFeed and was using content creation to drive business to her lingerie company. She was shooting her own content. Temi was working for Microsoft in D.C. He’d recently traded in his DJing equipment for a camera. “I've always loved taking pictures,” he says. “Even when I was a kid, my African mother would wake me up at 3:00 a.m. [during a] party, and be like, 'Come take the family picture.'”
Growing up, Temi says he watched his parents support each other and be the true definition of partners. He knew he wanted the same for his own relationship. But, the couple also wanted to make sure they were being financially responsible. The pair didn’t quit their traditional jobs until they’d saved up two years' worth of their cost of living. And, Temi received his Master of Business Administration from New York University with the knowledge that it could either help him advance in his corporate career or be applicable to his business with Skylar.
Today, they say their working relationship is more of a “quiet dance.” They still implement some of the boundaries they learned in therapy, but they also lean into their natural strengths and deep love for one another. When we speak, Temi has planned a date for the couple to see Princess Mononoke in 4K IMAX and added it to their Notion so they can factor it into their busy schedules. “I fully plan to date for the rest of my life,” he says.
Skylar says the couple doesn’t just wait for date nights to check in with one another, though. This often happens in the mornings, after Temi has made her peppermint tea and poured himself a cup of coffee. When they ask each other how they slept, she says, it’s not just a “nicety.” It’s a genuine question meant to foster connection.
“A lot of it happens during the day in the midst of work. We'll stop and we'll hug. Or we’ll slow dance in the kitchen,” she says. “Sometimes it's hard to set a whole date night when you have 7,000 things going on. So, we must grasp these moments and check in when we can. And I think it's become so organic to us that I actually didn't even realize how often we do it. But all day long, we're like, 'Are you good? I felt like your energy shifted,' because we're best friends, we just know. We just feel it happen.”
What’s better than being in love? Building wealth while doing it. Watch Making Cents here for real stories of couples who make money moves together.
Featured image by Cj Hart @hartbreak
The ChatGPT Prompts That Got Me Through A Career & Life Transition
Oftentimes when we hear about ChatGPT prompts, there's always some sort of business pitch, entrepreneurship push, or other shortcut connected to money-making. (Well, at least that's been the annoying case with my Instagram feed.) It's undeniable, though, that ChatGPT prompts can be game-changers, even beyond business plans or revenue schemes.
For me, creating and using my own ChatGPT prompts has been more about self-motivation, self-development and inspiration, especially at a tough time of career transitions and personal shifts. And as cray-cray as things seem in the U.S., especially related to one's livelihood, future financial stability, and overall mental health, I decided to take back a bit of my power using a great AI resource that you'll literally wonder how the hell it knows you so well to even answer your prompts so accurately.
Here are a few ChatGPT prompts that have been super-helpful and empowering related to career and finances. Simply visit OpenAi.com/Index/ChatGPT (or use the app of your choice), copy and paste the prompts, and be sure to fill in the blanks before submitting them:
The "Level Up" Prompt
Write an encouraging letter to a Black [your age]-year-old woman who is a [occupation] and wants to level up in her career. She lives in [city and/or state], earns [your yearly salary], and wants to be able to [career passion 1], [career passion 2], [career passion 3] during her work day. She also wants to earn [your dream salary] and work from [office/home/dream place of business] but feels challenged by [briefly state challenge here in 3-4 words.]
I swear ChatGPT got me all the way together, reminded me of the amazing experienced journalist, editor, and speaker that I am, and gave quick tips on how to take things to the next level that are actually doable.
The "Get My Credit Card Debt In Check" Prompt
Write a detailed plan, with categories, for a woman in her [age group] who is a [occupation] earning [your yearly salary]. She wants to cut at least 50 percent of her current credit card debt of [card balance] with an APR of [percentage]. Her minimum payment is [amount] and she'd like to cut down in [days/months/years]. Her expenses include [list] along with non-negotiable spending on [leisure/travel/fitness/wellness or other activity].
From here, it can also create spreadsheets or you can request that it get more specific with each category. You can also request that the plan be adjusted based on the first response and whether it truly fits something you can realistically do. Add more specific details based on your life, the unique challenges you face, or other options you have in mind knowing what you're capable of or you're realistically interested in doing to pay off a debt.
The "Retire Early" Prompt
Write a step-by-step early retirement plan for a woman age [your age]. She has [time in years] of experience in [industry] and has been working for her current company for [how many years]. She also currently earns [amount] per year. She lives in [city and/or state], [rents/owns], and has [amount] in savings. She also has [amount] in her 401K [or Roth IRA---whichever is relevant to your situation.] She currently has [amount] in her checking account(s). [Add any other details about your earnings including side hustles, businesses, freelance work, settlements, lottery, rental income, or other funds you have access to.] She has [amount] in unpaid debt. She'd like to retire by [age; and be reasonable sis] and live in [city and state/country].
While early retirement might seem like a pipe dream to some of us, a prompt like this lets you know that it's more possible than you think. It's also something great to take to a financial adviser so you can sift through what's actually doable (based on real-life scenarios) and what's not.
The "Career Pivot" Prompt
Write a plan for a woman who works as a [occupation] and wants to pivot into earning money doing [new career or career activity]. She is passionate about [activity or goal] to serve [potential audience/client/customer]. She wants to transition out of [current career] to earn [amount] doing [new career or career activity] by [time/date] and earn [dream income that you'd make doing the new career activity]. Include steps and categories. Include a timeline to achieve this by [date].
This is a helpful prompt when you feel stuck in your current role (or even your career altogether) and simply need inspiration on what could be the perfect pivot. You can update this to include different career activities or scenarios, add company names or brands, and even ask for pitches or ways to brand yourself online to achieve this goal.
The "Faith-Filled Career Confidence Booster" Prompt
Write a letter from God to a woman who is feeling like she is behind in life. She feels lost and scared, especially with everything that is going on in the U.S. right now, politically and economically. She is [age], works as a [occupation], and lives in [city/state]. She has [educational degrees or training], loves [three passions/hobbies/favorite activities], and has [mention family, spouse, children, or other loved one, even if a pet here.] She is [mention three things you like about yourself including one about your appearance]. She wants to achieve [list two small but important goals here that are related to personal and/or professional life]. She has faced [list any major and specific challenges, briefly, here] and does not know how she will handle these challenges. Include [Bible verses] of encouragement to study.
This prompt had me in tears, but it reminded me of my Biblical upbringing and my foundation for success and motivation. It also reminded me to get stronger in my faith, to read my Bible a bit more, and to stop allowing doom and gloom to inform my approach to problem-solving.
The "Talk That Career Ish" Prompt
Write a letter from the perspective of a football [or sport of your choice] coach for a woman aged [age] who works as the best [occupation] in [city, state]. She has accomplished [list 3-5 highlights of your career, whether past or recent] and is a leader in [relevant business or career activities that reflect leadership, whether you've accomplished these things or they're aspirational]. She brings the following skills to the work with her: [list 2-5] and she is proud of [aspirational career goal of you at your highest career self.]
Add in the name of your favorite coach and this gets even better! (I used Deion Sanders, but choose who you want.) You'll not only get hyped up to remember the fabulous bad boss you are, but you'll also get tips on how to be even more successful in the future.
Try any of these prompts and use them as stepping stones to prompt positive thinking, further conversations for financial and career planning, or just a fun and potentially constructive distraction from all the mess that's going on. Dig deeper and request more specific steps, inclusions of actual resources like books, conferences, or course recommendations, or create images, vision boards, or graphs. Add in specifics that will help you remain accountable in planning to meet a specific financial or career goal.
Also, this is a big one: Be sure to remember that ChatGPT is simply a tool. It's neither a genie nor the Almighty. You'll need to fact-check, use common sense, and adjust any sort of plans based on your actual reality. Try out these ChatGPT prompts as springboards for sparking imagination, motivation, and innovation.
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