Dreaming of traveling around the world and visiting destinations you have only seen on screen? For many people, traveling to different countries may already be on their bucket list. But before imagining yourself taking photos in front of iconic landmarks or trying local cuisines from around the world, there is one thing you need to prepare first: the budget.

Traveling around the world can certainly require a significant amount of money. Besides flight tickets, you also needs to consider accommodation, transportation, food, attraction tickets, and other expenses during the trip. If you only start preparing your travel fund when the departure date is approaching, the amount you need to save may feel overwhelming.

In some cases, this could mean having to sacrifice other financial needs, dip into an emergency fund, or even take on debt just to make the trip happen. With proper financial planning started well in advance, however, a dream of traveling around the world can be prepared in a more structured way.

So, how can you prepare the funds? Here are 5 tips from Treasury that you can try!

1. Start Saving for Your Around-the-World Trip as Early as Possible

You do not have to wait until you have a large income to start preparing for your around-the-world trip. you can start with a relatively small amount, as long as you do it consistently.

For example, you can set aside part of your monthly income in a dedicated travel fund. The amount can be adjusted according to your financial capacity after covering essential needs, bills, and other financial obligations.

This habit can feel much easier when maintained over the long term. For example, instead of starting to save just six months before departure, setting money aside for several years gives you more time to reach your target.

To avoid spending the money on everyday needs, you can also keep the travel fund separate from the account used for daily expenses.

2. Turn Your Around-the-World Trip into a Financial Goal

A wishlist is easier to achieve when you have a clear target. That is why you can turn your around-the-world travel plan into one of your financial goals. Start by estimating how much money you will need and when you want to take the trip.

For example, you estimates that you will need Rp120 million and wants to make the trip happen within five years. With a 60-month preparation period, you would need to save an average of Rp2 million per month to reach the Rp120 million target.

Of course, this is only an example. The cost of traveling around the world can vary depending on the number of countries you visit, the length of the trip, your accommodation choices, travel style, as well as changes in ticket prices and other travel expenses.

If Rp2 million per month feels too heavy, you can extend the preparation period. On the other hand, if you have the capacity to save more, you may be able to reach the target sooner. Having a clear target and timeline also makes it easier to evaluate your progress over time.

3. Consider Investing for Your Around-the-World Travel Fund

If your around-the-world trip is still several years away, you have time to consider how to manage the funds you have accumulated. Besides saving, investing can be one option to consider for financial goals with a suitable time horizon.

Funds placed in investment instruments have the potential to grow over time, although every investment instrument comes with its own risks and does not guarantee returns. One asset that can be considered is gold.

For you who wants to start accumulating gold gradually, digital gold can be one alternative. Through Treasury, you can start owning digital gold with an affordable amount. This allows you to gradually prepare funds for goals such as traveling around the world according to your financial capacity.

However, before choosing an investment instrument, make sure you understand its characteristics and risks. You should also consider when you will need the funds and choose an investment that aligns with your financial timeline so your financial plan can stay on track.

4. Calculate Your Monthly Travel Fund

After setting your target and timeline, the next step is to calculate how much money you need to set aside each month. For example, if your target is Rp120 million within five years, you would need to save an average of Rp2 million per month without taking investment returns into account.

However, do not let this target disrupt your day-to-day financial situation. Make sure your essential needs and emergency fund remain a priority. If you are not yet able to set aside Rp2 million every month, there is no need to force it. You can consider several options, such as extending your saving period or adjusting your travel plans.

Additional income can also be used to accelerate your progress. For example, part of your bonus, holiday allowance (THR), or side income can be allocated to your around-the-world travel fund. This way, you can continue working toward your travel goal without relying entirely on your monthly income.

5. Do Not Underestimate Small Amounts When Saving for an Around-the-World Trip

For example, setting aside Rp1,000 every day can add up to around Rp365,000 in a year. If you save Rp2,000 a day, you can accumulate around Rp730,000. Meanwhile, saving Rp5,000 a day can add up to around Rp1.8 million in a year.

aThese amounts may not be enough to cover the cost of traveling around the world. However, the habit of setting aside small amounts can help build financial discipline while adding to the funds you have already saved.

The method is also simple. you can set aside some of your change after shopping or decide on a specific amount to put toward your travel fund every day. You can start with an amount that feels manageable and gradually build the habit of saving consistently.

Traveling around the world certainly requires long-term preparation, especially when it comes to finances. However, that does not mean the dream has to remain just a wishlist.

By starting to save early, setting a clear target, calculating your financial needs, and managing your money according to your capacity, you can prepare for the journey in a more structured way.

If you still have plenty of time to prepare, you can also consider gold as part of your financial plan. Through Treasury, you can gradually accumulate digital gold with an affordable amount.

So, why wait? Start preparing your around-the-world travel fund today. Save and invest gradually with gold through Treasury to help turn your dream journey into a reality!