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The least amount of money you've taken on a tour of 1500+ miles.

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The least amount of money you've taken on a tour of 1500+ miles.

Old 02-27-16, 07:46 PM
  #1  
deepspacegiant
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The least amount of money you've taken on a tour of 1500+ miles.

Follow up to the previous, what's the least amount you've swung? Again, this is just interesting. I'm sure there are some great tales.

Best,

John
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Old 02-28-16, 09:04 AM
  #2  
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Never took a thousand+ mile tour (yet), but on my daughter and my 400 mile tour last summer, I carried less than $50 the whole week. Every legitimate store/restaurant/campgrounds/museums accepts plastic these days, however she had an ambitious goal of stopping at as many ice cream stands we passed and it really didn't make sense to charge <$5 to my debit/credit card every 30-40 miles so carrying some cash was necessary however I Could see someone traveling with no cash these days.
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Old 02-28-16, 09:24 AM
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1500 miles would be 2500 km. at 500 km/week........5 weeks or 35 days.

i usually budget $25/day, but will often carry double that in case of trouble.
so would start off with about $1750 cash, but always stay within budget,
and would return with $900 or more.

can't always depend on credit cards. small shops don't accept them, PIN's
rarely work (for me) at ATM's, some countries only seem to have large enough
department stores in a very few cities, others are sanctioned with limited
financial access.

and if you have time to search, can usually find a private seller with much
better than the bank forex rates.
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Old 02-28-16, 10:04 AM
  #4  
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I didn't take much money on my 3+ month tour. I used ATMs when I needed cash.
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Old 02-28-16, 12:06 PM
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Originally Posted by indyfabz View Post
I didn't take much money on my 3+ month tour. I used ATMs when I needed cash.
Ditto!. I carry cash - just in case. There are places (like on the Eyre Hwy between Norseman and Pt. Augusta - aka the Nullabore in Australia) where cash is King. Only cash please and sometimes the telephone dialler is so bad that the debit/plastic card will NOT work.

Same in the Middle east and on the Greek Islands. get a stash of cash and use it as needed.
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Old 02-28-16, 02:49 PM
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I used a Debit Card to tour Internationally with my mony in my Checking account at Home to draw from..


Credit Cards have a 'Cash Advance' fee , but you probably can Use it at a grocery-store when you buy food,

and then get a bit of cash in addition to your groceries when you check out.

Of Course You need to ask Your Bank, yourself, to really Know.



A Money Belt Under my Clothes was where I kept the important Valuables..
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Old 02-28-16, 03:34 PM
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Cash weighs too much, and even credit cards can weigh us ultra lighters down so this year I doin' nuttin' but bitcoins.
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Old 02-28-16, 03:40 PM
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The amount of money I would carry would depend on how much I think I need to spend a day. It depends from person to person. Some people can't live without their latte while others like me never drink the stuff. I typically spend around $10-20/day but that's riding 100-125 miles a day on average. If I was only riding 50-60 miles a day I could more than likely get by on an entire year long trip for under $4K. For me my number one expense is food, accounts for roughly 75% or more of the money I normally spend. One the 1700 mile trip I did three years ago pretty much laundry and food was my only expenses for the trip. My food budget is higher than most because my caloric needs are much higher than most due to the high miles per day I ride. Like I said it wouldn't be that hard on a year long trip to spend under $4K and that would be riding 18K miles over the course of the year. I don't spend any money on camping/hotels and I don't spend money on trinkets.
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Old 02-29-16, 05:55 AM
  #9  
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Now with ATMs everywhere, it is a bit easier - so I've left with enough and pretty much been able to pull more out of an ATM.

The closest I came was on a trip of ~1300 miles in 1988 when we had several related problems:
-- My partner accidentally threw away her wallet at fast food restaurant in London, Ontario. We looked, didn't find it and made a police report. They let her back into the US w/o a drivers license, when we came back through Port Huron, MI, since they believed story and we had the police report. However, we lost an ATM card and a credit card.
-- I had an ATM card, but it was on the "Plus" system. There were only four ATMs in all of Wisconsin on the Plus system and none very close to our route (we called our bank and they looked it up). We also didn't pass any directly on our route in Michigan.
-- We had a few $100 travelers checks in her name, but there had been stories in the Michigan newspapers about fake checks being passed, so we had some difficulty finding people who were willing to take them without an ID.
Eventually we ended up having her parents wire some money to a Western Union in Green Bay so that we would have enough to make it across Wisconsin.
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Old 02-29-16, 06:35 AM
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I understood the question to mean how little money you've spent on a tour. That would lead to some more interesting stories.

My tours are either a lot shorter or a lot longer than 1500 miles, and I'm not sure why the OP picked that number. My averages are about $750/month and 2400 miles per month, so algebraically 1500 miles would cost me about $470. But once I spend five days on a 250 mile tour that included a three day backpacking trip and that cost me one $5 Subway sandwich. I packed all my supplies from home, and someone at the trailhead gave me a bunch of food.

I've heard some great stories of thrift, like two young guys who were out for many weeks and only bought one cup of coffee, and I got the feeling they weren't exaggerating. A warmshowers guest told me he'd been out for over five years and was averaging about $5000 a year so far, riding 8000 miles in the US per year. He was middle-aged (had raised a son as a single parent), had decent gear and all his teeth and looked very healthy and happy and was not a mooch. The same sort of life would probably cost me twice as much, at least. He got my respect.
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Old 02-29-16, 06:48 AM
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Not sure I get what you are asking... Do you mean what is the least amount carried at some point? The least amount I had available from an ATM? How much most often carried?

I have typically used plastic for a most of my purchases on tour, so I usually don't carry much cash. In the past I typically would get $100 out of the ATM if I was running low, but I might let my cash dwindle to under $20 at times.
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Old 02-29-16, 07:00 AM
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Originally Posted by andrewclaus View Post
I understood the question to mean how little money you've spent on a tour.
I thought the same, but answered based on how others took the question. I figured that if taken literally they were asking how much cash you had in your pocket upon leaving for the tour, but that didn't seem especially relevant since you might leave with nothing and then hit a bank machine.

Originally Posted by andrewclaus View Post
My tours are either a lot shorter or a lot longer than 1500 miles, and I'm not sure why the OP picked that number.
Yeah, my tours seem to be either coast to coast or 900-1100 miles (I have not done shorter tours).

So just in case they meant how little spend on the tour... I can get by on $15 a day, but sometimes I spend more depending on how well I eat and how often I get a room if at all. I figure that I could get by on $10 a day or maybe even less, but feel no need to do so.
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Old 02-29-16, 10:15 AM
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My longest single tour was 900 miles.

Originally Posted by indyfabz View Post
I didn't take much money on my 3+ month tour. I used ATMs when I needed cash.
Agree, rely on plastic as much as possible.

But, I used credit cards to pay for everything that I could. Had a debit card for ATM usage, but only used the debit card once at a grocery store that would not take credit cards, never needed enough cash to use the ATM machines.

I am old school when it comes to paying bills, I write out checks and mail them. But on that tour I brought a few blank checks that I used to walk into banks to pay off the credit card bills for credit cards issued by those same banks when the bills were due.
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Old 03-02-16, 11:51 PM
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awesome. super awesome. thank you
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Old 03-03-16, 03:31 AM
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Originally Posted by fietsbob View Post
.....but you probably can Use it at a grocery-store when you buy food,

and then get a bit of cash in addition to your groceries when you check out.

Of Course You need to ask Your Bank, yourself, to really Know.
Some stores have started charging for cash back I've noticed. It hasn't been much. $1.35 is the most I've seen at a Family Dollar in Gainesville, Florida.

Credit Union's are good because if they're part of the NAFCU (most of them) you can be a member at one and they don't charge ATM fees at any member branch. This is the route I go. I'm a member at OnPoint here in Oregon and can use any CU that's a member of the NAFCU without any fees.

Originally Posted by indyfabz View Post
I didn't take much money on my 3+ month tour. I used ATMs when I needed cash.
+1.. I don't carry much cash on me. $20 at most. Not after losing over $200 in cash while passing through Louisville in 2014. Set me back too far.
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Old 03-03-16, 09:10 AM
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I Found the Credit Card Even at my own CU Just by using the CC at the ATM, incurs the cash advance fee.

so perhaps Visa is the fee biller, ..& the CU is passing it along

[US Bank] Debit Card OTOH I was only charged a cost for exchange rate processing to Irish Punts and British pounds (97)

As I Recall, in currency exchange transactions buying those currencies with the Dollars
taken from my checking account back stateside.


So, YMMV.
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Old 03-03-16, 11:11 AM
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Originally Posted by fietsbob View Post
I Found the Credit Card Even at my own CU Just by using the CC at the ATM, incurs the cash advance fee.

so perhaps Visa is the fee biller, ..& the CU is passing it along

[US Bank] Debit Card OTOH I was only charged a cost for exchange rate processing to Irish Punts and British pounds (97)

As I Recall, in currency exchange transactions buying those currencies with the Dollars
taken from my checking account back stateside.


So, YMMV.
My rules of thumb are:

Use credit card for everything that I can use it for except never for cash advance. If in a foreign country my credit cards have a 3 percent currency transaction fee. (I am thinking about getting another card for my next foreign trip to avoid that.) If I used the card for a cash advance, the cash advance fee can be several percent with a steep minimum, plus some banks start charging interest that minute, so it is not worth it. On one of my cards I have a PIN number so if there was an emergency I can use it in an ATM, but I have never had such an emergency.

Use debit card in ATM machines for cash. I only use a debit card elsewhere if they do not take credit cards and if I do not want to pay cash, but otherwise only use debit cards in ATM machines. The account at my credit union that the debit card draws from could of course be emptied out if someone gets the card info, so I keep that amount small. I have a second savings account that I can transfer money from into the debit card account by phone or electronically. My credit union does not charge a foreign currency transaction fee on my first 12 foreign ATM withdrawals each month, but purchases on that card can incur a 1 percent currency transaction fee.

Cash, I usually carry a few hundred. Some campgrounds on the Pacific Coast were not hooked up to internet, thus they did not take plastic and wanted cash. And I always use cash for tips at restaurants instead of putting it on my credit card bill, so I try to have several smaller bills for those things.

And I have had a credit card stop working for me when I was in Budapest, fortunately I carry a second credit card so it was only a minor hickup to my trip. I also have a second debit card. My spare cards with some spare cash is stored someplace away from the other cards so I would never lose all at once. My bike shorts I use for touring have a zippered pocket, I carry a small wallet there.

I mentioned above I have walked into banks to pay my credit card bills, my credit cards are issued by large banks with a national footprint, so that works pretty well.

And I have all the phone numbers for all my credit card and debit card companies stored in my cell phone. Several years ago when I lost a wallet, I could start calling all the card companies right away. Nobody had time to start charging to any of my cards because I called so fast.

Last edited by Tourist in MSN; 03-03-16 at 11:14 AM.
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Old 03-03-16, 01:11 PM
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50 euro but only 3 days.spent 13 for one cup coffee and 2 cakes in a Tshop in northern ireland robbers 15 for a pitch in a campsite the worst site i ever pitched a tent in robbers.
other than that i had a great craic .
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Old 03-03-16, 01:21 PM
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In case no one has mentioned this, keeping some smaller bills, including ones, can be helpful in situations where you are staying in places like BLM or U.S.F.S. campground with Iron Rangers. They often have fees that are less than $20 and require $1 bills, and there may not be anywhere or anyone around to break bills. I have encountered fees like $6 and $12.
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Old 03-03-16, 01:37 PM
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I toured 1,500 miles around the Northeast. Total cost of the trip was $400, $150 of which was used in bike shops for repairs along the way. I ate mostly peanut butter and granola wraps, CLIF bars, mac and cheese, tuna, pizza, and breakfast cereal.
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Old 03-03-16, 04:55 PM
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Back in 1979 I bought $300 in travelers checks and had about $40 in cash and rode till I pretty much ran out of money ====> 9 weeks!

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Old 03-03-16, 05:51 PM
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Originally Posted by BigAura View Post
Back in 1979 I bought $300 in travelers checks and had about $40 in cash and rode till I pretty much ran out of money ====> 9 weeks!

Inflation would put that at $1,109, so that's $17.60/day. Not bad!
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Old 03-03-16, 06:55 PM
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Originally Posted by mdilthey View Post
Inflation would put that at $1,109, so that's $17.60/day. Not bad!
Wow! That IS interesting because that's what I spent per day on my x-country trip.
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Old 03-04-16, 01:38 AM
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Originally Posted by fietsbob View Post
I Found the Credit Card Even at my own CU Just by using the CC at the ATM, incurs the cash advance fee.

so perhaps Visa is the fee biller, ..& the CU is passing it along

[US Bank] Debit Card OTOH I was only charged a cost for exchange rate processing to Irish Punts and British pounds (97)

As I Recall, in currency exchange transactions buying those currencies with the Dollars
taken from my checking account back stateside.


So, YMMV.
Could be. Speaking of US Bank, they have some sort of connection with OnPoint because they're they only bank I can use without any ATM fees. My friend, who is at another local CU, cannot use any bank.
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