
Traveling is something we all say we want to do but we feel we can't because of financial strain. A lot of times we tell ourselves that travel is too expensive and we overestimate how much it would cost to take a vacation. But that is simply not true! Travel is something that you have to intentionally plan and make priority in your life. There are lots of ways to have a dream vacation without breaking the bank. Creating strategies that help you put away money and maintain your current lifestyle is the best way to help incorporate travel into a regular routine.
Over the last few years of travel, I've learned some helpful ways that anyone can use to save money or be more mindful of finances while traveling. Implementing just one of these can make a big difference in how you can travel and be financially responsible.
1.Create a Budget
Travel can be super addictive! You go on one amazing trip and then start planning the next one before you have even made it home. Case in point, that's how I ended up taking 6 international trips in 2018 and visiting a total of 7 countries. However, I wouldn't have been able to reach all my destinations without some planning. The biggest help I had was making a budget for each trip. One thing I learned quickly was there is no single correct way to create a budget and each trip had its own unique requirements. However, there are a few general guidelines you can apply to fit your budgeting style:
Plan out your vacation as far in advance as possible.
This simply means plan out all your known vacation plans into the next year. This way you can see how things are going to pan out over the course of the year. For instance, what months are heavy with international travel or domestic, where you might need to save more money or if you have too many trips planned at the same time. Even if you are only taking one trip that year, get it in the books as soon as possible and plan ahead.
Set small amounts of money aside in a travel fund throughout the year.
It is always a good idea to have an emergency fund because things can happen that are unexpected when traveling abroad. Saving small amounts over a longer time is easier than paying in one lump sum at the time of travel.
Research current currency rates for your international trips.
There is nothing worse than exchanging too much money and not being able to get that same amount back in your own currency. You also want to know what fees you will be charged when exchanging money at the airport compared to withdrawing money out of the ATM.
Research your estimated cost per day.
One of the biggest ways to stay on budget is to research what it would cost you per day for every day activities like eating, taking a taxi, or go on an excursion. This will help you narrow down on how much money to bring for daily things as well as how much you may need for an emergency or extra activities.
Lastly, create a budget for souvenirs.
Sounds ridiculous, I know, but we all can fall into the trap of buying too many amazing rugs from Morocco or cigars from Cuba. Go with a plan in mind of the things you absolutely want and what you are willing to pay for them.
Travel can get really expensive fast! It is always best to have some sort of budget in mind. Every destination, however, does not require the same amount of budgeting. Some places are cheaper to travel in than others. Remember, every person does not have the same budgeting style, so find what a general fit is for you and then modify as necessary.
2.Chase the Deal, Not the Destination
This was actually the first thing that I learned when I started traveling. I had a lot of places that I wanted to go but I was trying to figure out how to economically get to them all. The way my bank account is set up, I could travel but not too far! I read a lot of articles and followed a few of my favorite travel influencers to see what their secret was and how they seemed to travel nonstop. One tip, trick, or hack that was a common theme was: chase the deal and not the destination. It is a counterintuitive approach to how people normally plan travel, but it works. So, why does this work?
Well, flight deals occur all the time, every day in fact. You will find that deals to certain locations are pretty common, from flight deals to hacker sales, there is usually something every single day. The one caveat to that is the deal may not be for the exact location you are looking to travel to at that particular time. Instead, they will be to other locations, during specific time periods, and only lasts for a short amount of time. So, instead of deciding on a location, decide on a time period or set of dates you would like to travel, and go for the deals to whatever location is cheapest at that time. Taking advantage of an opportunity like this will keep costs down in your overall budget. Don't be afraid to be flexible; you will get to all your bucket list locations in due time will money well spent.
3.Use Budget Air Travel
Budget air travel is your best friend when booking domestic trips or short international flights. The worst feeling is purchasing a flight and realizing you overpaid. So what is a budget airline or what is commonly referred to as a low-cost carrier? A low-cost carrier or budget airline is an airline that does not provide most of the traditional services in the fare, resulting in lower fares and fewer comforts. To make up for revenue lost in decreased ticket prices, the airline may charge for extras such as food, priority boarding, seat allocating, and baggage.
Beware of the trap of flying one of the major carriers. Like any other traveler, I like the comforts of some larger airlines. But if my flight will be less than three hours long, I choose a budget airline. Especially when traveling internationally, budget airliners can help save you money and help you move around a lot easier. There are some noticeable differences when flying budget but in the long run, when trying not to break the bank while traveling, your pockets will thank you.
4.Use Vacation Days to Your Benefit
One asset that people do not maximize commonly is their vacation time. You can do this by utilizing time off around company holidays or conferences. According to a recent article on CNBC.com, "52 percent of Americans didn't even use all of their vacation days in 2017." Your vacation time can be one of your biggest assets in trying to save money traveling. The best way to use your vacation time is to understand what type of vacation benefits your company offers. Before we go further, if you are in negotiations for a new position, you can negotiate for more vacation days as well as higher pay. Traditionally, most companies offer paid time off or PTO. This policy can be found in some employee handbooks detailing the bank of hours in which the employer pools sick days, vacation days, and personal days that allow employees to use as needed.
To use PTO effectively, it requires strategy. You should understand how many days you accrue per year, how fast you accrue those day and how you can take those days. Two ways to strategize your days are:
- Add days around company holidays.
- Add days around an existing business trip.
Your vacation days are a benefit to you provided by your company. They can be used to extend days on vacation that are of no cost to you. It is almost like getting extra free days that do not come out of your pocket. Whether it is getting days paid for on the company dime at a conference, or using holiday days to extend vacation time without it coming out of your PTO bank, use this benefit to fit your travel needs.
5.Get Creative When Looking for Lodging
One of my favorite to-do list items while planning a trip is looking for unique places to stay. I like to have a full on experience when I travel so I try my best to have every detail be as authentic to the culture as possible. An example, when I traveled to Paris, I wanted to stay in a flat that was overlooking the Eiffel Tower, with large French doors, wrought iron railings, balconies, floor to ceiling windows, hardwood floors… you get the picture. So, I investigated as many websites as possible to find places that fit this criteria but were in my budget.
Depending on the trip, domestic or international, I may get more adventurous than normal. Most of the time for domestic trips, I stay with family or friends for the obvious reasons of saving money. If I decide to rent a place, I have a few sites that I check:
Airbnb
I like Airbnb because you can get a unique personalized experience by staying in someone's home. I love how creative the hosts are starting to get with their properties. Also, you can haggle on price just by simply emailing with the hosts.
Priceline
Priceline is my go-to when I cannot find a hotel property in my price range. I love the bidding feature which allows you to bid up to 60% off per night. I have saved tons of money on 3 to 5 star hotels.
Hotels.com
This one is probably my favorite when looking for hotels. Simply because I can book as many as I want and most of the time I get free cancellations. This helps me to reserve a room at a great price in the present time. If that price drops, Hotels allows me to cancel my current reservation and rebook with new cheaper pricing.
Kayak
This one is normally my last option but I still use it. This site has all of the benefits of hotels.com with the additional feature to track pricing. I normally use it in conjunction with all the other sites just to cross reference the prices.
Develop your list of websites that you know and trust to find lodging while traveling for cheap. Make sure to sign up for rewards benefits so that you can get the maximum out of each site. Some sites offer 10% off coupons, "stay 4 nights get 1 free", or other incentives like free breakfast or $50 off spa treatment. When looking on Airbnb, the best properties I have found were by searching through the superhosts section. I can say for sure that I got my money's worth with these properties and hosts.
There are lots of creative ways to travel within anyone's budget. The main idea is to make it a priority. Taking a trip on the fly will cost you in the long run. But if you plan appropriately, you can take the vacation you want without worrying about overspending. No destination is too exotic or expensive with the right planning. Everywhere is accessible if you renew your mindset to a new way of thinking about travel and your finances. So, go out there and see the world…within your budget!
Want more stories like this? Sign up for our newsletter here and check out the related reads below:
My Job Kept Declining My Vacation Requests -- So I Quit
10 Best Female Solo Travel Destinations
Questions To Ask Before Traveling With Friends
How To Travel The World With A Full-Time Job
Did you know that xoNecole has a new podcast? Join founder Necole Kane, and co-hosts Sheriden Chanel and Amer Woods, for conversations over cocktails each and every week by subscribing to xoNecole Happy Hour podcast on Apple Podcasts and Spotify.
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Because We Are Still IT, Girl: It Girl 100 Returns
Last year, when our xoNecole team dropped our inaugural It Girl 100 honoree list, the world felt, ahem, a bit brighter.
It was March 2024, and we still had a Black woman as the Vice President of the United States. DEI rollbacks weren’t being tossed around like confetti. And more than 300,000 Black women were still gainfully employed in the workforce.
Though that was just nineteen months ago, things were different. Perhaps the world then felt more receptive to our light as Black women.
At the time, we launched It Girl 100 to spotlight the huge motion we were making as dope, GenZennial Black women leaving our mark on culture. The girls were on the rise, flourishing, drinking their water, minding their business, leading companies, and learning to do it all softly, in rest. We wanted to celebrate that momentum—because we love that for us.
So, we handpicked one hundred It Girls who embody that palpable It Factor moving through us as young Black women, the kind of motion lighting up the world both IRL and across the internet.
It Girl 100 became xoNecole’s most successful program, with the hashtag organically reaching more than forty million impressions on Instagram in just twenty-four hours. Yes, it caught on like wildfire because we celebrated some of the most brilliant and influential GenZennial women of color setting trends and shaping culture. But more than that, it resonated because the women we celebrated felt seen.
Many were already known in their industries for keeping this generation fly and lit, but rarely received recognition or flowers. It Girl 100 became a safe space to be uplifted, and for us as Black women to bask in what felt like an era of our brilliance, beauty, and boundless influence on full display.
And then, almost overnight, it was as if the rug was pulled from under us as Black women, as the It Girls of the world.
Our much-needed, much-deserved season of ease and soft living quickly metamorphosed into a time of self-preservation and survival. Our motion and economic progression seemed strategically slowed, our light under siege.
The air feels heavier now. The headlines colder. Our Black girl magic is being picked apart and politicized for simply existing.
With that climate shift, as we prepare to launch our second annual It Girl 100 honoree list, our team has had to dig deep on the purpose and intention behind this year’s list. Knowing the spirit of It Girl 100 is about motion, sauce, strides, and progression, how do we celebrate amid uncertainty and collective grief when the juice feels like it is being squeezed out of us?
As we wrestled with that question, we were reminded that this tension isn’t new. Black women have always had to find joy in the midst of struggle, to create light even in the darkest corners. We have carried the weight of scrutiny for generations, expected to be strong, to serve, to smile through the sting. But this moment feels different. It feels deeply personal.
We are living at the intersection of liberation and backlash. We are learning to take off our capes, to say no when we are tired, to embrace softness without apology.
And somehow, the world has found new ways to punish us for it.

In lifestyle, women like Kayla Nicole and Ayesha Curry have been ridiculed for daring to choose themselves. Tracee Ellis Ross was labeled bitter for speaking her truth about love. Meghan Markle, still, cannot breathe without critique.
In politics, Kamala Harris, Letitia James, and Jasmine Crockett are dragged through the mud for standing tall in rooms not built for them.
In sports, Angel Reese, Coco Gauff, and Taylor Townsend have been reminded that even excellence will not shield you from racism or judgment.

In business, visionaries like Diarrha N’Diaye-Mbaye and Melissa Butler are fighting to keep their dreams alive in an economy that too often forgets us first.
Even our icons, Beyoncé, Serena, and SZA, have faced criticism simply for evolving beyond the boxes society tried to keep them in.
From everyday women to cultural phenoms, the pattern is the same. Our light is being tested.

And yet, somehow, through it all, we are still showing up as that girl, and that deserves to be celebrated.
Because while the world debates our worth, we keep raising our value. And that proof is all around us.
This year alone, Naomi Osaka returned from motherhood and mental health challenges to reach the semifinals of the US Open. A’ja Wilson claimed another MVP, reminding us that beauty and dominance can coexist. Brandy and Monica are snatching our edges on tour. Kahlana Barfield Brown sold out her new line in the face of a retailer that had been canceled. And Melissa Butler’s company, The Lip Bar, is projecting a forty percent surge in sales.

We are no longer defining strength by how much pain we can endure. We are defining it by the unbreakable light we continue to radiate.
We are the women walking our daily steps and also continuing to run solid businesses. We are growing in love, taking solo trips, laughing until it hurts, raising babies and ideas, drinking our green juice, and praying our peace back into existence.
We are rediscovering the joy of rest and realizing that softness is not weakness, it is strategy.
And through it all, we continue to lift one another. Emma Grede is creating seats at the table. Valeisha Butterfield has started a fund for jobless Black women. Arian Simone is leading in media with fearless conviction. We are pouring into each other in ways the world rarely sees but always feels.

So yes, we are in the midst of societal warfare. Yes, we are being tested. Yes, we are facing economic strain, political targeting, and public scrutiny. But even war cannot dim a light that is divinely ours.
And we are still shining.
And we are still softening.
And we are still creating.
And we are still It.

That is the quiet magic of Black womanhood, our ability to hold both truth and triumph in the same breath, to say yes, and to life’s contradictions.
It is no coincidence that this year, as SheaMoisture embraces the message “Yes, And,” they stand beside us as partners in celebrating this class of It Girls. Because that phrase, those two simple words, capture the very essence of this moment.
Yes, we are tired. And we are still rising.
Yes, we are questioned. And we are the answer.
Yes, we are bruised. And we are still beautiful.

This year’s It Girl 100 is more than a list. It is a love letter to every Black woman who dares to live out loud in a world that would rather she whisper. This year’s class is living proof of “Yes, And,” women who are finding ways to thrive and to heal, to build and to rest, to lead and to love, all at once.
It is proof that our joy is not naive, our success not accidental. It is the reminder that our light has never needed permission.
So without further ado, we celebrate the It Girl 100 Class of 2025–2026.
We celebrate the millions of us who keep doing it with grace, grit, and glory.
Because despite it all, we still shine.
Because we are still her.
Because we are still IT, girl.
Meet all 100 women shaping culture in the It Girl 100 Class of 2025. View the complete list of honorees here.
Featured image by xoStaff
Give Thanks: 10 Tips For Hosting An Absolutely Awesome Friendsgiving
If you’ve never checked out an episode of the ReLiving Single Podcast featuring Maxine and Synclaire — oops, I mean Erika Alexander and Kim Coles — it’s worth listening to an episode or two; especially if you’re someone like me who watches the Living Single reruns on TV One, sometimes, like they just came out. Good times.
And what does this even remotely have to do with Friendsgiving? Well, if you ever wondered what the origin story of this non-holiday-holiday is, legend has it that it’s mostly due to the combination of a 2007 tweet and the show that tries to act like it wasn’t birthed out of Living Single: Friends (I’m not the only one who feels this way either; you can read more about all of that here, here and here).
Apparently, there was a Thanksgiving episode that featured all of the friends having dinner together. And y’all, there was simply no way that I was going to mention the latter without shouting out the original (amen?).
Okay, so with that out of the way — Friendsgiving. Something that I appreciate about twists to holidays like this is that it’s a reminder that there is no one way to celebrate special occasions. And so, if, for whatever the reason, you will not or cannot be with family during the holiday season, there are certainly other alternatives at your disposal.
That being said, if the thought of spending time with friends this Thanksgiving is something that you’d like to do, yet you’re not sure how to host it in a way that will make Friendsgiving a fan favorite for your entire circle — I’ve got 10 suggestions that can make the planning process easy as pumpkin (or sweet potato) pie.
1. Position Chrysanthemums or Orchids for Your Table Décor

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Let’s start with décor first. Listen, aside from cleaning up your place, you don’t have to be over the top. If you put together a really nice centerpiece or put a flower at each table setting, honestly, you’re all good. And if you’re someone who is big on details and symbolism, my recommendation would be to go with some chrysanthemums and/or orchids.
When it comes to chrysanthemums, not only are they a peak fall flower, they represent things like friendship and happiness. And orchids? They tend to bloom during the fall and spring seasons and, not only are they about luxury, certain orchid colors also symbolize friendship (for the record, yellow roses symbolize friendship too). Perfect.
2. Incorporate Scents That Cultivate Gratitude
Speaking of cultivating a warm and inviting space, you can never go wrong with scented soy candles — or at least having an essential oil diffuser in a few spots. Some scents that actually help to bring in the spirit of gratitude include vanilla, jasmine, ginger, cedarwood and frankincense.
3. Use Upscale Paper Products to Dine With

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Let’s be real — a lot more of us would probably host events in our home if it wasn’t for the mess that is left behind in our kitchen once the festivities are over. Wanna avoid that? Use paper plates. No, I don’t mean the cheap Styrofoam ones. SMDH. These days, there are paper (and plastic) plate brands that will low-key blow your mind when it comes to how bougie they look. Some that are worth considering are located here, here and here.
4. Handwrite Thank-You Notes (Use Them As Place Settings)
If you’re like Tiffany (from the HBO series Insecure — what a time) was at that memorable dinner party when all hell broke loose between Lawrence and Issa and you’re pretty anal — I mean, particular — LOL — about place settings, it’s a nice touch to pick up some blank thank-you cards that you can write a personalized “I’m thankful for you because…” message in. Place each one where you’d like each friend to sit. They won’t see it coming and it’s a really nice touch.
5. Have Everyone Bring Their Favorite Homemade Dish

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Okay, and what if what has you on the fence about hosting is you don’t feel like doing a ton of cooking? Chile, this is where the concept of having a potluck comes in. Get everyone to bring the dish that they claim they cook the best and make sure to let them know how many individuals you plan on coming (so that they will make enough). You can even make a game out of it by having everyone anonymously vote for the first, second and third best dishes out of the bunch. Take it up a notch by having a prize for each winner.
6. Take a Warm Drink and Dessert Poll Beforehand
You know what isn’t discussed enough about dinner parties? Folks bringing desserts that other people don’t even like. SMDH. You can avoid this from becoming an issue at your Friendsgiving by sending an email (most people prefer that to group chats; let’s be real — and make sure to BCC everyone as well) asking everyone to share what their top three favorite desserts and warm drinks are. Then pick the top 2-3 out of the bunch. That way, you won’t have a ton of (for instance) coffee cake or apple cider lying around that no one even wanted in the first place.
7. Create a Signature Friendsgiving Mocktail and Cocktail

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Speaking of drinks, another way to make your Friendsgiving memorable is to come up with a signature mocktail (for those who don’t consume alcohol) and cocktail. For the mocktail, you can also poll your friends about their favorite mocktail or fruits and come up with a mixture of your own. For the cocktail — although National Friendship Day is actually in August, I did peep that there are certain drinks that have been created in its honor. Some of them are located here for you to do a bit of tweaking on (if you’d like).
8. Ask Everyone to Share Their “Favorite Friend Quality” of Another
You know how it’s customary for everyone to go around and share what they are truly thankful for before having dinner? Well, to continue along with the Friendsgiving theme, have each person share what their favorite friend quality is about the person to their right. If folks are just meeting each other for the first time, instead they can share what they value the most in friendship overall, along with a story of how it was displayed to them personally over the past 12 months.
9. Send Each of Your Guests Home with a Fresh Gratitude Journal

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Wanna send folks home with a nice parting gift? It would be so on-trend to give each of them a gratitude journal. Listen, we are in some crazy times right through here (at least in the States) and so, encouraging your friends to set some time aside, regularly, to think about and then outwardly express what they are grateful for? That helps to keep stress down, keep things in perspective and it reminds us all to maintain a positive mindset as much as possible.
10. Watch a Nostalgic Movie
While everyone is enjoying dessert and drinks, how about watching a movie that brings back fond memories? A list of some of the most popular movies to come out previous Thanksgiving weekends is located here and a list of some favorite Black holiday-themed films can be found here. It’s a way to wind down and share some laughs before everyone heads home.
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Friendsgiving. What a wonderful way to celebrate your friends while also observing Thanksgiving in a way that is totally on your terms. And now that you know how to put it together, what are you waiting for? Hit your friends up and let them know that, whether it’s on actual Thanksgiving Day or a few days before or after, you’ve got a special dinner in mind.
One that has a good time with amazing friends written ALL over it.
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