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Alternative to Budgeting? Not If We Wanted To Travel Internationally!!

For us to accomplish our dream of being able to travel internationally there was no alternative to budgeting as we were seniors on a fixed monthly income. Simply put, if we wanted to see our dream of travel to come true, we would have to do a deep dive into our financials!

Again, for us, there really was NO alternative to budgeting that would allow us to travel internationally. If you have followed us, we have been transparent in our earlier posts with our desire to travel internationally as seniors when we retired. We decided to jump the ship early, thus leaving The Big Guy to retire a couple years earlier than the standard retirement age. I am telling you this because if he had decided to hang in a few more years his monthly income would be a LOT higher, but the travel bug was biting hard. Seriously, I did not have to do much to convince him we could do this – travel internationally on a budget with our set monthly incomes.

So, again, to be completely transparent, The Big Guy & I live off our monthly Social Security checks. No touching the savings – that is strictly for emergency use or a very very rainy day. Using those amounts, The Big Guy set us up on a budget based on the 50/30/20 Rule as a guide. If you are not familiar with this particular “Rule” there are loads of books that you can find online on budgeting. (Budgeting is simply known as balancing your expenses with your income.) I personally love Dave Ramsey as he keeps it simple & in terms I understood:) There are a number of budgeting apps that you can download on your smartphone, but we prefer to use the old fashion computer XL spreadsheet. You could hire a budget coach to get you lined out but if you read Dave Ramsey, I think you will find both what works best for your financial matters.

Lack of Money to Travel? Budgeting Could Be Your Answer!

If you lack money to travel but have the dream, budgeting could be your answer! Regardless of what you have heard, you do not need to be flush with dollars for international travel! IF YOU ARE ON A LIMITED INCOME, Yo will need a budget & you will have to be able to follow that budget month to month.

It can be a major headache during the process of getting all your numbers together for your budget prep, but well worth it in the end. Believe me!!! The hardest part for us was checking & double checking to be sure we had ALL expenses laid out on the table. Once that part was done, it really began to fall into place. So, a budget was absolutely necessary for us to be able to follow our dreams to travel internationally!

Any alternative to budgeting would not have allowed us this beautiful sunset in Campeche, Mexico
Campeche, Mexico Sunset

Our Best Decision Absolutely was to Create a Budget

It will soon be three years since our initial jump into international travel and Merida, Mexico our first stop & we have never once said ‘boy did we make a mistake’! Never! To-date, we have lived in Mexico, three locations in Colombia, Ecuador, two locations in Peru & we finished out the 2022 year back in Merida to visit friends. That’s another reason to travel internationally. We have made forever friends in every country we have stayed – extended families that we stay in touch with by email, texts, online or phone. We have been so blessed to have these people in our lives. Meeting new people in different countries opened our minds & hearts to new beginnings that the non-traveler will never understand

For Us There Is No Alternative to Budgeting….That’s How We Are Able To Make This Next Jump to….

Drum roll please…..Africa 2023 here we come! The plan is to stay at least one year traveling to different countries to see where that takes us! The possibilities are endless really! We plan to start our trip in Uganda & hope that we can spend three months building new relationships & making more forever friends! We will be sharing photos & posts as we travel to different parts of Africa. What will we find? We aren’t sure but we know we are excited to make new friends & learn new customs.

We may even get lucky enough to be invited to a wedding or traditional ceremony [fingers crossed]. How cool would that be? Yes, The Big Guy has former ‘work’ friends that he has stayed in touch with & their family’s have already reached out to us……SO EXCITED!!!! But for now… I know we will meet & hopefully add anther family to our international travel family! We don’t look at ourselves as tourist when we travel & try as much as possible to stay in working class neighborhoods.

Six Tips We Follow For Traveling Internationally!

1] Utilize off season flights which can substantially lower travel costs. We have done this on almost every trip & have saved bucks. If you are staying for a bit, it won’t matter if the weather isn’t perfect everyday.

2] Do not over-pack. Be diligent & check online weather reports & dress attire for your travel destination. Only pack essential clothing that you will need. Check how many bags the airlines allows for checked & carry-on to avoid being charged extra.

3] Be prepared to rent if you are staying for more than a few days. Search online to see how others found housing in your next stop. AirBnBs can be a good bet for longer stays. If you have a local connection, ask them for assistance in finding safe neighborhoods to stay.

4] Eating locally has always been a tremendous way to save money on meals. Our favorites are the lunch specials. Full meal deal for nominal cost. Tip: Find where the locals eat!

5] How easily are you entertained? For us, walking is the best entertainment & doubles down for health maintenance. Ask locals about their city & you will have a list of what you must see – mostly on the cheap side. Walking on a FREE local beach is a great way to spend the day swimming & walking or following the walking path along the lagoon!

Walking along a beautiful walking path along this Cancun lagoon is a sample of free entertainment!
Walking along a beautiful walking path along this Cancun lagoon is a sample of FREE entertainment!

6] Travel insurance with medical coverage is a must. This type of insurance is helpful if your luggage is lost, flight interruptions or if you have a covered medical emergency. Some policies may be reimbursement only and/or have a deductible.

Who Moved My Cheese?

If you or a loved one have doubts about whether a budget will not work for you – watching this video may just change your mind. Remove the fear & make the jump!

“THE QUICKER YOU LET GO OF OLD CHEESE, THE SOONER YOU FIND NEW CHEESE.”

Spencer Johnson

We Made It To Nairobi, Kenya!

We heard that Kenya was beautiful & Nairobi (the capital city) was simply amazing! Is the country perfect? No, no one country is but Kenya has a lot to offer besides safaris. We have said from the beginning of our journey that we were searching for our little piece of paradise. Let me just say it, Nairobi is closing in -right now- on our first place holder of Medellin, Colombia. What moves Nairobi up the list is that everyone speaks English vs a language barrier speaking Spanish in Colombia but we shall see in the end. We have a lot of countries to cover.

It wasn’t a safari that we were in search of but more of the culture & beauty of the city & Kenya. Don’t get me wrong, I would have loved to have gone on a safari, but they are not for people on a fixed income! More to the point, Africa continues to amaze these two senior travelers. The people have simply been wonderful and always have smiling faces. We have had nothing but love from Africa so far. It seems – to me – Africans are very centered on families & appreciate the gift of life. This is a conversation for another day.

After having spent five months in Kampala & Entebbe in Uganda we were not sure what to expect from Kenya. We were told that Kenya had tall buildings, great food, animal parks, etc. We were told Kenya was thirty years ahead of Uganda. What we found was a calmness & beauty that we had not seen in Uganda. People were just as nice but we were surprised to see that the Kenyan infrastructure was far ahead of what we had been use to seeing in Uganda. We walked paved streets with great sidewalks. Traffic seemed to definitely be more organized & motorbikes /bodas were not as many or crazy as in Kampala.

Downtown Nairobi, Kenya
Downtown Nairobi, Kenya
Tall apartments in Nairobi, Kenya
Tall apartments in Nairobi, Kenya

Our Takeaways from our one month in Nairobi, Kenya!

Mobile Money

Kenya like Uganda uses mobile money (the M-Pesa app is a must). Mobile money is a must in cash economies & very easy to use. Mobile money is a pay-as-you-go digital platform provided by mobile network operators. People do not need a bank account to use the mobile money services. Kenya was introduced to M-Pesa in 2007, as a app for people to access financial services. M-Pesa allows people pay any bill or shop with their mobile phone. As an International traveler you do not always have the ability to set up a local bank account but mobile money allows you access to many of the same services, but without the use of a bank. Makes perfect sense!

Language

With 72 -77 tribes (depending on who you ask) in Kenya, it was not – again – surprisingly to learn of how many languages each person could speak. I am totally in awe of their ability to navigate between languages. The Big Guy & I were taught general greetings in Swahili which is with English, the two most spoken language.

Here are some of the other things we saw:

1] Don’t be afraid to visit Nairobi town! Its crazy but again not as CRAZY as Kampala, Uganda! More organized.

2] If you like stamps, visit the Stamp Bureau at the GPO [main post office] downtown. We were in heaven.

White Rhinos Stamp, Nairobi Kenya
White Rhinos Stamp, Nairobi Kenya. Sudan has passed since this stamp was released.

3] At museums & many tourist sites, there are sometimes two prices – a lower price for the local resident – a higher price for tourist/foreigner. Genius! This upfront pricing is a good system & will not make you feel like you are being price gauged by a greedy business owner.

4] Someone will ask you for money…its a given. Either for ‘food’ or to cover school fees, etc.

5] Streets are paved & there are plenty of traffic control lights. Side streets may or may not be dirt or gravel but still good shape. No huge potholes!

6] Some of the neighborhood markets can seem a little overwhelming running for many blocks with lots of twists & turns. These markets are operated by local residents & only sell fresh produce & there are so many small shops inside these markets where you can buy almost anything!

Open Market, Nairobi.
Open Market, Nairobi.
Toi Market, Nairobi
Toi Market, Nairobi
The Big Guy sandal shopping in one of the markets, Kenya
The Big Guy sandal shopping in one of the markets, Kenya

7] Uber, Tuk-tuks, buses & matatus (the smaller privately owned bus) are readily available. We used Ubers, matatus & the train which were really very reasonable.

TukTuk in Mombasa, Kenya
TukTuk in Mombasa, Kenya. Not the safest vehicle in a lot of traffic but you gotta do it at least once. ha.
Matatu in Nairobi, Kenya
Matatu in Nairobi, Kenya. Though some of these small bus taxis look pretty sketchy & beat up they are quite popular & economical to use.

8] Kenya uses the e-Citizen Kenya website, which allows you to set up an account & is very simple to navigate. e-Citizen is a website that is used to access to all government & some other services.

9] Be prepared to answer politically based questions about the U.S. as Nairobi is very advanced & very interested in other countries politics (especially U.S.) & religion.

10] Last but not least, research the visa requirements carefully. We wanted to stay in Nairobi for three months but was told we spent five months in Uganda so was only allowed one month in Kenya. We got caught up in the East Africa Visa which was not our intention which only allows six months in EAST Africa which both Uganda & Kenya are members.

Our SGR Train ride to Mombasa!

Kenya has the Standard Gauge Railway referred to as the SGR Train. This train makes two four-to-five hour trips a day to Mombasa, Kenya daily. Let me just say that this train holds over a thousand passengers & is the most organized system I have ever seen. The station is VERY large with additions being added as I type. My grandpa was a train engineer way back so I grew up around & riding trains. Boy have they changed!

Picked up tickets at SGR terminal in Nairobi
Picked up tickets at SGR terminal in Nairobi

We rode in the First class coach from Nairobi to Mombasa for about $20 USD a person & returned in economy class for about $6 USD a person. The round trip for BOTH of us was VERY affordable. Look here for trips & fares. The seats both way were comfortable with a little more room in first class. Kenyan people are so friendly & we had some wonderful conversations with some children & adults during our return trip to Nairobi! Snacks are sold on train, but we ate at one of the SGR restaurants (very affordable pricing) before the train ride & we did buy a few very reasonably priced snacks on the train ride back. Be prepared for 5-6 security checks before we made it to our train in Nairobi.

We bought our tickets for the SGR train using the M-Pesa app & mobile money on my telephone (very easy). Once we arrived at the train station we went through several security checks separate areas for male & female screening. We went to the SGR train counter window & they were able to look up my ticket purchase using my phone. They printed our tickets at the ticket counter & we walked into the station area to wait for the call to start boarding the train. We were both impressed by how fast they loaded the train & started moving – right on the minute!

Mombasa Train Terminal, Kenya
Mombasa Train Terminal, Kenya

Kudos to those of you quick on the draw with your photography! Going south I saw a herd of zebras, a few giraffes & monkeys along with a lone mamma elephant & baby. On the return trip we passed a huge group of elephants practically within reach of the train. I was stoked but again no pictures. Every time I turn my ‘video’ off & settled back in seat – boom! – the animals were passing us by. The train kept a good pace so….be prepared!

Pulling into the train station it was after dark & all you could see was a sea of people, cars, taxis & buses. I feel we lucked out on our Uber. He was already there – it just took a few minutes to find him in the crowd!

Mombasa, Kenya

Mombasa is a busy little town & really wasn’t our cup of tea so we were happy that we only planned to stay the afternoon & overnight. The Mall that was touted to be everything you needed was just more closed businesses than open stores, very disappointing. We went there from great reviews we had read & were told but…again such a disappointment!

The late afternoon of our arrival we took a tuk-tuk ride to the Indian Ocean which was well worth the trip! Be strong, the tuk-tuk drivers are relentless but we found Sam who gave us a little tour & explained the city to us. Worth the price!!

Horace & I with Sam at Indian Ocean, Kenya
Horace & I with Sam at Indian Ocean, Kenya

We booked one night at “The Ivory Suites” for $60 USD that included breakfast the next morning at the SOY restaurant next door. After breakfast we found a salon for manicures & pedicures! Then it was time to get our butts to Mombasa Train Station.

Ordering an Uber back to the train station from downtown Mombasa was horrific. The first Uber decided not to stop & passed us by, the second Uber pulled up and told us that Uber wasn’t charging enough for the ride to the train station and advised us the cost would be – triple the price, shown on the Uber app! The third Uber showed up & checked the price and we had to negotiate a higher fee to get him to take us to the train station. Don’t get me wrong there were several shady taxi drivers trying to offer us a ride to the Mombasa SGR station, but being in a foreign country we believed Uber was probably a safer mode of transportation.

Would We Come Back to Nairobi, Kenya?

Yes we would. It fits very nicely into our budget & again the people were super nice. There is a lot we could not see in our short time there. I definitely see another longer trip to Kenya in the future.

Africa Law, Nairobi.
Africa Law, Nairobi.
Mall photo,Nairobi.
Mall photo,Nairobi. Only got this shot when a guard came up to tell me no photos??? Oh well. It was a great mall!!
Naomi, Holly & The Big Guy in Nairobi, Kenya
Naomi, Holly & The Big Guy in Nairobi, Kenya. Naomi helped us in our language skills!
Street side nursery in Nairobi, Kenya
Street side nursery in Nairobi, Kenya

Next stop is Zambia. Lets see if Zambia has any surprises for us.

The Real Truth About Uganda – The Pearl of Africa

We never imagined three years ago that we would ever travel to Africa let alone the Pearl of Africa! We are still pinching ourselves that we are here! It was a distant dream in our travel goals that just didn’t seem to be within our reach. Here we are now – having spent five months’ in Uganda!

To be honest we had no idea what to expect upon our arrival in Uganda but what a surprise our visit has been. When we announced our plans to travel to Africa our friends & relatives told us stories about Africa that scared the living hell out of me. They said that people in Africa lived in small villages composed of grass huts in the middle of jungles. They said African people lived with wild animals that would eat people & that the African people were known for eating people. They told me that sometimes wild animals would sneak into these villages under the cover of darkness & enter a hut to steal a human as its meal. Now, not a one of them had ever been to any country in Africa so how did they get there info? Definitely wasn’t from any research. Anyway…

As our plane traveled across the Atlantic Ocean I can’t lie, I wondered what were we getting ourselves into visiting this continent. Were we stepping into danger? Every country has its own history & what you read in a book & learned in school may differ greatly from reality once you get to that country.

I’ve said this a hundred times to The Big Guy since we flew to Uganda. This may not have been the best or most attractive African country but it was absolutely the BEST choice for us for our first adventure to Africa! What I have learned has surprised me as well as Horace.

Lessons We Learned in Uganda – The Pearl of Africa!

This list isn’t all encompassing but it will give you an idea! I’m sure as soon as I post I’ll think of more but you get the drift. Uganda is definitely worth a visit. Lets get started!

Lake Victoria has been mentioned in earlier posts but stands another shout out! After you visit it, you will understand why Uganda with its diversity, natural wealth & beauty – which includes this Lake – was nicknamed “The Pearl of Africa”! Its the second largest freshwater lake in the world. Fresh fish? No problem here!

Gbaba beach fish market on Lake Victoria, Kampala, Uganda - The Pearl of Africa
Auntie Dorthy & Holly at Gbaba beach fish market on Lake Victoria, Kampala, Uganda – The Pearl of Africa
Fresh fish market on Lake Victoria in Kampala., Uganda

Pot holes in streets are a given which brings along with it a thick layer of red dirt in the air.

There is no shortage of restaurants for you should you not be a fan of local traditional Ugandan food. Rolexes, roasted chicken, sausage, vegetables are easily found on the streets in the ‘non-tourist’ neighborhoods!

Best neighborhood market – Jam Shoppes in Bukasa – all product was marked & awesome staff. We learned early on if we walked into a neighborhood market & didn’t see prices….we would be charged the “tourist” price. For a larger grocery store the Carrefour groceries are great & had a lot of locations.

Best manicure/pedicures – a chain shop “Sparkles” never disappointed in manis/pedis. The cherry on top was the awesome job in touching up my blond hair! If you color your hair, then you know where I’m going with this.

Best fruit market – Namuwongo Market – don’t let the slum & surroundings scare you – great fresh fruit & vegetables.

Fresh fruit & vege markets are abundant!

Who would have thought Abe Lincoln would be on a Uganda stamp? Who knew? We were on a constant search for the stamp but couldn’t find one in stock. We did find Nelson Mandela, Barack Obama & Princess Di stamps!

Over 54 tribes in Uganda each with its own tribal language! What does this really mean? That every child knows the tribal language & learns English once in school. It was not unusual for a person to speak three or more languages! This is amazing when you think of the lack of language skills most of our children have in the states – its just not a priority & that is sad!

Every name has a meaning.

When a woman from one tribe marries into another tribe, SHE learns the language of husband’s tribe.

Family is EVERYTHING. Villagers know their family lineage & are expected to be able to recall lineage if asked. Elders are appreciated – something lacking in the U.S. I think.

When someone says they will do something, they are not asking you for help- they will do.

Malaria is a real thing – while we were here at least five acquaintances were diagnosed with this disease.

People know how to live off the land.

Rice fields along with sugar cane, sweet potatos, corn are crops raised.

Everyone we have asked has never seen a giraffe, gorilla or elephant, except one who said he saw one at zoo. The people are busy working to live.

Speaking of working, we were told if you see someone that a.m. working, you will see that same person that evening. Long hours.

Uganda has official language – English with Luganda being the most spoken language along with Kiswahili.

Charcoal is a necessity for homes that use charcoal stoves & in the village’s kitchens are located outside the main house.

The Biggest Surprise To Me?

The biggest surprise to me were the questions directed to The Big Guy while they are looking at me. For example, The Big Guy was asked “if the whites hate blacks than why are you with her?” Or they look at me while they are saying “I don’t want to offend you but…” to The Big Guy?

I have learned in Uganda, specifically from Kampala, that I have to have a voice & I have to have an opinion. I do have opinions but usually stay quiet because you may not know who you are really talking to BUT with race relations as they are in the US & with what is shown here, I have to speak up so that I AM NOT PUT IN THE CATEGORY OF ‘THOSE’ WHITES WHO HATE BLACKS! I’m learning.

As I have said, Uganda may not be most popular country to visit (besides the Gorilla Treks) in Africa but it definitely was the right one for us! Chatting with school kids such as this group was definitely a high light of my day in Kampala!

These Kampala school girls wanted a pic with me and of course I said yes!

Join us on our next stop – Nairobi, Kenya!

Authentic Traditional Ugandan Foods – Yummy & So Easy to Make!!

Who knew we would fall in love with traditional Ugandan foods? Although we had no idea what the food would be like in Uganda or what in the world Matoke or Lumonde was, we have not been disappointed! Vegetarian & Meat lovers both have a large menu choice. No problem finding fresh foods here in Uganda!

Traditional Ugandan dish – Matoke

Isaac, a member of one of the largest tribes in Uganda, the Buganda tribe, introduced us to the wonderful world of Matoke or plantain bananas. We have truly been spoiled with the authentic Ugandan foods Isaac has made for us – mashed Matoke with ground nut sauce & Matoke cooked with Irish potatoes – just to name a couple. Since I am a potato girl, the second dish is my favorite but both are really good. If you like meat, you can add but this dish is great just by itself or with Isacc’s homemade onion, cucumber, tomato & carrot salad seasoned with salt & fresh squeezed lemon.

Isaac grew this banana tree on the property & was able to share with us its goodies once the bananas were ready to be picked. Here he has separated the bundle into smaller groups for easier handling.

Bananas being separated from stalk.
Isaac peelling bananas to make authentic ugandan dish - matoke
Isaac peeling bananas to make authentic ugandan dish – matoke

A little cabbage salad & avocado is the perfect combination for this dish.

Authentic dish - Matoke with ground nut sauce!
My favorite traditional ugandan dish - matoke & irish potatoes!

G-nuts are simply roasted peanuts, ground w/spices added & cooked until creamy consistency. Easy peasy & you can add your own take of spices. Isaac uses tomatoes, onions & family secrets! If you want to try the dish yourself, I found a pretty easy to follow recipe on YouTube here!

Traditional Ugandan foods has to include Lumonde

Lumonde, also known as sweet potatoes, is reportedly one of the most popular foods across Africa. Lumonde is another traditional Ugandan dish that Ronald, likes to make when showing off his cooking skills. Ronald is a member of the Busoga tribe, the third largest in Uganda and told us that every time he returns to his village his family loves his cooking and asks him to prepare the family meals. Ronald informed us that in his village sweet potatoes have the orange flesh.

There are three major types of sweet potatoes in Uganda, white, yellow and orange flesh. While shopping in the Namuwongo market in Kampala we have mostly seen the white flesh sweet potato ranging in sizes from a regular potato to being as large as a football! These varieties of sweet potatoes look different than what we are use to seeing in U.S. grocery stores – fresh picked sweet potatoes with white flesh vs the orange flesh that we would think of. For a little history on African sweet potatoes, check this out.

Ronald peeling sweet potatoes
Ronald peeling sweet potatoes. Those banana leaves on shelf are a very important part of the cooking processl! After cleaning, they are basically wrapped with banana leaves & steamed in pan.
Sweet potatoes or lumonde wrapped in banana leaves & steamed pot with little water.
Sweet potatoes ready for the table.
Sweet potatoes ready for the table with cabbage & g-nut sauce.

Don’t get me wrong…we eat A LOT of vegetables here in Uganda with an occasional meal out with meat, but all in all the food here is really good. I can’t remember the last time I had a meal that was not prepared with fresh garden vegetables & served with fresh squeezed juices. We buy most of our vegetables at the local markets, because they come straight from the garden to the vegetable stand. During our days out we stop at the bigger markets like TMT or Carrefour to purchase things other than fresh vegetables. All in all, all these fresh natural foods fits within our budget, so it’s a win win for us! Happy Travels!

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