How to Live Abroad Without Paying for Housing

Traveling without paying for housing takes a lot of strain off of your budget. Here's how to travel extensively if you don't have the money for rooming accommodations.

If you're young and you want to travel the world but don't have the finances then consider doing a work program abroad. There are different kinds that feature different kinds of jobs, but they let you travel the world on a very small budget. Rent or hotel costs can be the most expensive part of any trip and if you're able to live somewhere for free then you're cutting out a huge part of your budget. This type of travel is becoming increasingly common for people who want to take a gap year to travel or who want to spend an extended period of time in a new country. These programs have an extensive network that is set up everywhere in the world.

Some of these programs feature jobs that are seasonal and so they offer housing for workers that are only staying a short or medium amount of time. Because of the way visas are set up you can only stay in one place for so long and so these programs can come in handy because of their specific beginning and ending dates. Jobs like these can range depending on where you are traveling.

The jobs can range from housework to physical labour. You can stay at a hostel and work part time to live there for free. Nannies and Au Pairs are wanted in both rural areas and popular cities. Farms in the countryside like seasonal workers and farmhands who are willing to put in some physical labor. There are even odd jobs like landscaping, language teachers, musicians, animal care workers, and so much more. You can choose to explore based on country or by the type of work you'd like to be doing.


Here Are A Couple Of Websites To Help You Get Started

WorkAway

Work Away features every kind of job in nearly every country in the world. You can sort by occupation, country, or region to find something that works for you. You can read feedback by other people who have worked there and you can see the profile of the job posters. There are also dates posted for when they are looking for help as well as their overall reviews. They'll list a description of the job and the kind of work you'll be doing, the hours you'll work, the kind of accommodations you'll receive, and any other pertinent details. You have to sign up and pay a subscription fee to use the sight and make your profile.

AupairWorld

Au Pair World sets up nannies with a host family all around Europe. This site has intense instructions and information so you'll know what you're doing every step of the way. They'll help guide you in finding your family and help you navigate all the bureaucracy which can come with working in a foreign country. Different countries have different laws so you will have to see what each country dictates for Au Pairs. This could mean mandated time off, salary, required language courses, or any number of things. If you want to get an authentic European experience then this is a great place to start.

WWOOF

World Wide Opportunities for Organic Farming just about sums it up. This sight will pair you with a farm somewhere in the world that needs a helping hand. Their goal is to help people get more in touch with sustainable living and to help farmers around the world. They have an extensive network that covers the globe and you will most likely find a country in the region you prefer. If you want to get outside and get active while doing some good then this is a great program.

HostelJobs

This site is set up specifically for Hostel positions. Hostels are located in pretty much every major city and then there are many off the beaten track to explore. This is a great way to meet new people and get to know a new city while living there for free. This is more like an international job hunting website so take your time looking through where you'd like to apply and see if you'd like to start the process.

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Truebill Is The App Everyone Needs, I Use It Everyday To Track All My Finances

I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

5 Reasons You Need FanDuel TVG If You Want To Get In On All The Horse Racing Action

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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