Outlook Money
Solo travel has evolved from a distant idea into one of the most mainstream trends. When you are away for weeks or months, your bank account becomes your silent travelling companion. And how you prepare it can keep your journey smooth, even through remote towns and unpredictable terrains.
The basic strategy should be to carry buffer cash or top up your digital wallet for short trips. However, in the case of a month-long backpacking journey or longer slow explorations across different regions, you will need to dive a little deeper into planning.
Cash is still king in places with poor network connectivity. Other than carrying loose change, split your cash between various pockets of your backpack or luggage, so that you are never dependent on one stash.
Before your trip begins, check for ATMs along your planned route and download the maps for offline use. Pin or save the location of ATMs so that you are not searching for them in unfamiliar streets when your UPI refuses to load.
On trips longer than a month, tracking your spending helps keep a steady budget. It does not have to be complex. You may use a simple three-category system: essentials, experiences and extras.
Low-balance alerts, withdrawal notifications, and transaction messages keep you informed in real-time, even when your Internet connection is weak.
Having a buffer of Rs 5,000-10,000 as an emergency fund will help you cope with sudden expenses.
Check whether your debit/credit card is enabled for offline, outstation, or international usage. Many travellers face card declines due to inactive settings, not because of insufficient funds.