Dave's retirement journey

Slow money: A richer way to travel in retirement

By Dave Dineen, BrighterLife.ca


Slow money: A richer way to travel in retirementWe’ve found a way to slow down how quickly we spend money while traveling.

I call it “slow money” and it’s based on the “slow food” and “slow travel” movements. Slow travel is about avoiding hotels, staying longer and having a richer experience.

Slow money is a great way to:

  • Stretch your travel dollars for accommodation, dining, food and entertainment.
  • Stay for longer periods of time.
  • Get to better know the people and places you visit.

As I write this, my wife and I are halfway through a four-month European trip. Our trip has had three distinct phases. (We spent money quickly in the first two.)

1. Renting a hotel room for several nights in London, England

For retirees, as well as working folks, this type of travel is really popular. We ate mainly at restaurants and British pubs. But you’re paying somebody to do nearly everything:  feed you, house you, entertain you, etc. It’s a fairly easy way to travel, but it’s not easy on the budget.

2. Going on a bus tour of central Europe

We were completely in the hands of a tour guide. He chose what we saw, what we heard, where we stayed and what we ate. We saw lots of great sights in Munich, Prague, Budapest, Vienna and Salzburg — but mainly from the window of a bus.  It almost felt like a slide show, rather than a personal experience. We got scripted soundbites about the history and geography of the places we were driving past but we didn’t get to know any locals. Everyone we talked to was paid to serve us. And the tour cost a lot of money, for not a lot of days.

3. Staying on a tiny Italian island

This is the “slow money” and “slow travel” part. As I write this, we’ve been saving money and savouring one place by staying on a tiny Italian island for six weeks, and we’ll be here for another eight weeks.

How to travel the “slow money” way:

  • Take a longer trip. By staying at least two weeks, you avoid what I call a “hotel sandwich” — a hotel stay sandwiched between two flights.
  • Experience daily life. In Italy, we’re rubbing elbows with locals at cafés, bakeries and fruit and veggie markets. We water our landlady’s flowers when she’s away and she gives us fresh oranges and lemons from her garden in return. She also brings delicious homemade pastries when she drops by for coffee! We walk almost everywhere. People phone us when a local festival is coming up. They tell us what nights the local churches do community barbecues.  They’ve even taught us how to make organic limoncello (a lemon liqueur) for a quarter of the store price.
  • Get accommodation from a person, not a corporation. Our three-room flat is at the rear of a beautiful, big, centrally located house. We have our own kitchen, laundry facilities and a private terrace. We’ve made it homey by planting pots of flowers and herbs. Our rent is around a quarter of the cost of a hotel — plus we can cook at home, saving even more. Our landlady has guided us on the best times to go to the beach, as well as where to buy cheap beach chairs and an umbrella to save the cost of having to rent them.
  • Eat fresher, cheaper local food. With our own kitchen, we eat in more than we eat out and still are not able to keep up with all the great food tips and local produce we’ve been receiving. We have all the oranges and lemons we can pick, just 30 feet from our door. Neighbours insist that we take fresh veggies from their gardens. At the food markets, the local food is cheap and fresh. We buy fresh fish. We have a favourite bakery, a favourite café. And we can buy the local white wine for 1 Euro ($1.39 Canadian at time of writing)/litre. When we do eat out, we find we don’t have to go to fancy restaurants to get amazing food.
  • Get to know the locals. People are proud of where they live. And they want you to also fall in love with the place. Our landlady took half a day to walk us through the back alleys and along the shoreline of the area where she grew up. A local ferry captain let us ride for free on the bridge of his ship for a trip to Sophia Loren’s hometown. We’ve cheered at a local school’s track and field day.
  • Avoid costly roaming charges. We purchase cheap local pay-as-you-go mobile phone plans to stay in touch with locals, make restaurant reservations, etc. An Italian friend even gave us his old cell phone and activated it for us.

Based on our experience, I’d say that “slow travel” can definitely result in “slow money” spending and can be a great way for retirees to travel.

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browney237 on

Just planning a 3 month trip to Italy very much focussed on slow travel.
Thanks for the tips.

avsarathy on

Slow travel is the way to go! This would benefit people at any life stage.

I’m in my 20s and plan annual backpacking adventures with friends. We try to keep costs low by staying in hostels or vacation rentals (Airbnb.com) that have access to a kitchen. We also try to do less “country hopping” so we can spend more time immersing ourselves in the local cultures. And we definitely try avoid cookie-cutter tours!

June 16: Best from the blogosphere | Save with SPP on

[…] Brighter Life, Dave Dineen brings us up to date on his travels in Slow money: A richer way to travel in retirement. He says renting from a local, not a corporation and adopting a local lifestyle means he and his […]

CanadianBudgetBinder (@CanadianBudgetB) on

My wife was over the moon in awe with the prices we had to pay when staying in a hotel just outside of London, England while we were dating and touring as much as we could. Even though I lived in the UK we stayed at various places so we could continue to travel. You are right it does cost to travel and it’s something I miss so much since moving to Canada. I think as my wife and I get older we would like to start to travel more although we will have to put aside more money in our budget as travelling from Canada is much more expensive than travelling from the UK. I used to travel up to 4 different countries every year when I was younger. I’d eat with the locals or stay in places with a small kitchen so I could buy local produce and cook. I was always on the hunt for a bargain to travel and see the world for less. I never went through travel agents either.

Miriam on

We have use the ‘home away’ site to find private houses to rent twice now with great success. It works especially well for a larger than 2 group – one trip was for a family reunion to celebrate a milestone birthday and the other was a road trip just for fun with friends. Both times, the cost of the home rental for one night was equal or less than the cost of a single hotel room and in both cases we would have needed several hotel rooms to accommodate everyone.

Monika on

Hi. Dave ,

Have you heard about untours.com?

Lonely Planet has excellent information.

I love your articles.

Happy traveling!

intentionalmc on

We agree. This is definitely a great way (if not the best way) to travel! Although, you don’t have to be retired to do so.

    davedineen on

    Great point, IntentionalMC. You don’t have to be retired to travel this way, but you do need to be able to get away from work/school for an extended time. Happy travels!

Geoffrey Michael McDade on

Hello Dave,

I am 69 and retired. I leave January 2 for six weeks in Guatemala where I will study Spanish for four weeks, half in Antigua and half beside gorgeous Lake Atitlan. When studying I live with a local family receiving full board and the opportunity to practice my Spanish. The lessons are one on one with experienced teachers, mostly in a garden setting for 4 hours each morning Mon. to Fri. Afternoons there are cultural visits locally and conversation seminars. All the students rave about the experience and it costs only $200 per week all in! Later in the year I will do the same thing in Ecuador and Nicaragua. I gave myself a head start by studying Spanish with the free app “Duolingo”.
Being able to really converse with the friendly locals is wonderfully enriching and I will also visit Mayan sites etc. Food and accommodation are a fraction of European prices, the people are more friendly and the country has a simple charm and perfect 18-25C weather in January and February. Perfecto!

Geoff McDade, Montreal

Rich Hand on

Hello Dave, I stumbled upon your article with “Slow Money” immediately attracting my attention as I began a Slow Food chapter in eastern Canada some years ago, but I digress. I am retired (does one ever fully retire?) and my partner and I are leaving Canada in 2 months to live in Europe (Portugal) and travelling cheaply is the best way. As a suggestion, you may want to mention to your readers about house-sitting. Homeowners around the world look for reliable people to take care of their property in their absence and perhaps do some chores in return for little or even no rent. There are some excellent sites for this. You can’t beat this idea for inexpensive travel, getting to know an area, staying in some amazing locations and becoming a local…even if temporarily. Long live the snail. Rich

    davedineen on

    Rich — thanks for a great suggestion. I have long been curious about house-sitting, but I have never done it myself.

Karen Edwards on

Hello Lynda Carrington, I am travelling to Paris in September on a culinary vacation.
Would like to know the name of the bakery you say is the best in Paris.
Culinary vacations to Paris and Italy at http://www.delectabledestinations.com thk you Karen

Robert Gauthier on

Your article is really working. We have done this for years, in Europe, in the USA and in the Caribean.
Renting house, staying at least 2 weeks, buying local foods and do our own cooking , renting car from local company . In Europe going to the coop winery and buying a 5 liters of wine for $10, in St-Marteen, renting an appartment for $400 a week with access to the owners pool and barbecue. Renting car from a company for less than $200 per week
.Friends of us done the same European trip with $8000 ,staying in hotel, restaurant and etc , we do it for $3000
Because of this, we save so much money, we now can retire early
Refreshing to see we are not alone

    DaveDineen on

    Robert — Wow, what an inspiring comment! That’s an impressive saving on the price of a trip! Everywhere we travel, we bump into a (small) number of people doing slow travel. In Uruguay, we bumped into a British couple travelling by bus and they were having great adventures for very little money. We’re just back from Italy and loved visiting local markets where fresh greens are available year-round. We had healthy, really inexpensive salads, fruits, veggies, sliced prosciutto at our place — which was a nice break from restaurant food. Taking public transit is another great money-saver. I can’t think of the last time we took a taxi. I’m so glad that you’ve found a way to retire when and how you want!

Em on

We skipped giving our kids luggage on graduation and took them for ten weeks in Europe living in apartments for at least a week in each destination. We spent an afternoon with the locals at a cafe in Florence watching a too big tour bus get stuck, June 21 in Paris listening the local band on Place Louis Blume on the night of music until we turned in at 2am, a week on a small Greek island where we almost had a barbie birthday cake for teo boys and time on a boat on the Maleran in Stockholm where we sat in a cafe and watched our boys make the moves on some truly stunning young women. Our kids learned a lot about culture, how to adapt, food and language. Saved for five years to do it and it was the best thing we have ever done – for ourselves and them!

    DaveDineen on

    Extraordinary! What a smart thing to do, Em!
    There’s not a tour bus or cruise ship on the planet that could have transported you to even one of those experiences. Thanks for sharing!

James on

Hey Dave

I did the same thing in my 20’s in Vietnam. Stayed 8 weeks in Hue, the old imperial capital. I loved it so much, I came back two years later, and stayed for two years. I ended up getting married to a beautiful lady I met there.

Your article reminds me of watching tourists get bussed through the city for a night’s stay, when I have spent years there and still haven’t fully explored.

    DaveDineen on

    Wow, what a great story, James! It’s hard to predict the experiences you will have when you travel for all it’s worth. Enjoy!

alen kong on

hi Dave,
nice to hear your trip to Itlay with the “Slow money Slow Travel”. im so excited abt it.
my husband and me we just planning to go for a trip next year. May I now where is that small island in Italy that you mention?
Do you have other places in Euorpe too aside from Italy? thanks.

    davedineen on

    Hello, Alen.
    The Italian island I’ve written about is called Procida. It’s a one-hour ferry ride from Naples, so it’s in Southern Italy.
    It’s not filled with tourists, so don’t tell anybody about it, so it will still be quiet when my wife and I return.:-)
    We have also loved our trips to Portugal (pretty inexpensive for Europe); London, England (the exact opposite, but filled with historical and cultural treasures); France is wonderful but costly to visit; Ireland is charming and easy to drive in; we found Munich, Germany to be a really lovely walkable and inviting city; Vienna is marvelous if you like classical music and rich food, Budapest’s riverfront is like nothing I’ve ever experienced. Anyway, those are a few European travel ideas for you.
    Happy travels!

      marci on

      How did you find your landlord (accommodation) in Procida? What sites do you usually use to find your accommodation?
      Thank you.

tarotworldtour on

Your story explains the traveler profiles quite well in a concise way. I did not realize that I had been “slow traveling” this spring, but that is exactly what I have done. At the moment, I am 28 and have traveled to 30 countries in the last seven years. In the beginning, I was scared to stay in hostels, but gradually warmed to the idea once I became less uptight. The first round I did of hostels in 2005, I traveled at breakneck speed and did not really make any special connections. Now, I am more apt to stay 5-7 days and in that time, you often make good connections and sometimes these even lead to jobs. I took a chartered flight from Athens to Montreal (cheapest return) for $252 and am now working at a hostel in Montreal where I made friends. The world is vast and yet there are billions of little intimate scenes going on that you will miss on a packaged tour. -‘tarotworldtour’

    davedineen on

    Thanks, John. Wow, you’ve experienced a lot! Though there’s some great stuff you can see when travelling at a Speedy Gonzales pace, like you, I’ve really learned to appreciate the deeper experiences of slow travel.
    I’m exactly twice your age, but I also enjoy those ‘little intimate scenes’ as the high points of my journeys. Happy trails!

Tony Schnurr on

Dave, may I please ask the name of the tiny Italian island you have been on for six weeks? I am a few years from travelling, however, I have been writing down names of off-the-beaten-path gems to visit for years. Thank you. Tony

    davedineen on

    Okay, I’ll spill the beans, Tony. But you’ve got to promise not to tell my wife that I told you.
    I mean it! You’ve got to promise before reading further.
    This island is so unspoiled by tourists that my wife is very protective of it. She cringes if she ever sees it mentioned as a travel destination.
    It’s called Procida. It’s in the Bay of Naples, located a one-hour ferry ride from Naples. On a clear day, you can see Capri and it’d be a very stormy day if you couldn’t see the resort island of Ischia.
    On Procida, tourists are the curiousity, not the onlookers.
    So if you ever go, Tony, have fun. But think of it as a James Bond mission — don’t tell anyone where you’re going, what you’re doing there, or how much you enjoyed it!

Looksoverpark on

My daughters and I followed all of these principles twenty years ago when we were travelling around South-East Asia with the help of a wonderful book called “South-East Asia on a Shoe String”. It made such a difference when we landed somewhere like Jakarta to know where to go for reasonable hotels, how to ensure that we were not cheated when we took a taxi, and even reasonable places to go for a delicious meal. We found a wonderful hotel in Kuta, Bali, for the three of us that was only a short walk from the beach, offered a very reasonable breakfast, a view of palm trees and great company for only $4.00 a day! Well, it was twenty years ago, but I am sure it would still be reasonable today. There are many great books that can guide the frugal traveller and many wonderful travel experiences waiting anywhere in the world that can be had for far less than you would pay for joining an organized tour group.

    davedineen on

    Hi, Looksoverpark. It’s funny, isn’t it? Lots of people think that frugal people are no fun. But I believe if you’re frugal, you can have more than your share of fun! :-)

Jim Garner on

Hi Dave,

We’ve been doing what you suggest since our own retirement. Sometimes there’s a problem about accommodation, namely that it’s sight-unseen and there can always be problems with heat, TV, ambient noise etc etc. Any advice on this would be welcome.

    davedineen on

    Hi, Jim. That’s really frustrating. I don’t have a magic solution, but here are a few things that I’ve found help. Before booking a hotel, look for online reviews. If you visit travel blogs or use Twitter, those are great places to throw out a question about where to/not to stay. When booking, ask for a room away from the elevator. Rooms on higher floors usually experience less street noise. In a pinch, turn on the bathroom fan to drown out noise (this worked for us in Naples, Italy.) Be sure you understand how to use the TV & heating/cooling systems. (We thought the cooling system was faulty in our London hotel on a recent trip, but we just needed to learn how it worked.) With legitimate problems, be insistent but polite. If the problem isn’t resolved quickly (our TV was replaced in 5 minutes in Lisbon!), ask to deal with the service manager. If the hotel doesn’t fix the problem, ask to be moved to another room. Then, tell others about the problems you had — hotels hate bad publicity! Happy trails!

Gordon Foster on

My wife and I used to work in the travel trade years ago so we fully understand and support your methods – for example when we holidayed in Egypt a few years ago (1999) we simply booked the round trips from London to Amsterdam and onwards to Cairo, including the first 3 nights in the Hotel Windsor (old British officers club, from Michael Palin’s travel documentary TV show) this is not fancy but very homely and cheap – not too shabby either. This also gave us a chance to get the feel of the real Cairo and from here we walked around and booked almost all of our onward sightseeing tours ourselves by calling the vendors ourselves. If you have any middlemen involved you are always paying more than you need to. Example – we did a 3 night tour down the Nile on a 5 star cruise ship inc. all meals and afternoon tea, and were treated like kings, for about $75 each in USD – howcome? You just go on foot directly to the riverbank and ask if they have space available and at what price. Foget expensive travel companies – you don’t need people like Abercrombie & Fitch, trust me on that one, I was a travel agent too ! We saved so much by booking all of our own trips and as a result were able to book one extra trip by Egyptair from Aswan, to see the stunning temple of Rameses in Abu Simbel in the far south of the country – relocated painstakingly to a new level higher up on the desert floor due to the building of the Aswan high dam and the subsequent flooding of the river valley in that location.
Whilst in Aswan, an Egyptian’s holiday resort town, during a river trip on a Felucca (traditional Egyptian sailing boat) and being a sailor myself, I asked the operator if I could sail his vessel – an experience I will never forget – for how much you ask – NADA ! I bartered a pack of Old Port cigars for this. By the way all of this was personal guided tours, not a busload of people sharing this with us. The small backpackers basic hotel we stayed at in LUXOR was managed by a full – time schoolteacher who was very knowlegeable and helped us to organize our tours to the Valley of the Kings, Queens and Nobles and also the very stunning Queen Hatshepsut’s temple carved directly out of the mountainside. Just remember to barter hard and pay no more than you think seems fair. Everyone is trying to make money.

Good luck with your ongoing travels – live long and prosper and try to get out to Bankok, Phuket, Bali and places far away as well because all of these principles work just as well anywhere on the planet – just do the research before you go and you will know the ropes before you have even arrived.

Gordon and Barbara Foster

    davedineen on

    Wow, Gordon, I love the richness of the way you travel. As you point out, richness doesn’t necessarily mean you’re forking out a lot of money. Thanks for sharing your insider information — I’m going to use your tips on our South American trip later this year. Yes, we hope to make it to Asia soon, but we need to travel to Britain first, for our daughter’s wedding. And our Australian friends are beckoning. It’s so exciting to be retired, if you’re open to adventure. Thanks for sharing your experiences!

      Gordon Foster on

      Go and enjoy Great Britain – I am Scottish and my wife, born of a Scottish mother and a French father, whilst living in Washington DC, might just be the reason we enjoy travelling so much. We met near Glasgow both having attended the same High School and have been married since 1976. We now live in Richmond, near Vancouver British Columbia, Canada. Please feel free to keep in touch if you have our email address from the original comment.
      Thank you for your kind reply and good luck on your travels.

      DaveDineen on

      Hi, Gordon. Yes, I’ll email you to pick your brains about Scotland. My daughter starts school in Edinburgh this fall, so we’re excited about going there to visit!

      Gordon Foster on

      I have a very old aunt (the last one) who lives in Edinburgh and also a high school peer turned TV weatherman, also now living in Edinburgh and working with the Scottish Parliament as a weather/environmental adviser (take a raincoat and umbrella- even in July/August) it rains all year. Edinburgh is a very lovely city. Try to see the tourist side of Glasgow as well though. Glasgow is a more industrial town but it has many interesting green places, like beautiful parks, and some amazing art Galleries and museums. also the collections of the eccentric Willliam Burrell in Pollok Park on the south side is a must see on your list.

      Happy travels – keep in touch.

      Gordon and Barbara Foster.

denise on

Hi Dave,
Coming from the younger generation, 40-45 yrs old not yet retired but have managed to do european trips almost on a yearly basis–we understand and thrive in the ‘slow money’. While our friends head out to carribean vacations, drinking booze, vegging on the beach and leaving the kids behind at home, we have been camping under olive trees in Florence, drinking canadian whiskey with new german friends in northern holland, celebrating our son’s 13 birthday with our camping neighbors in brugges eating an amazing cake purchased in Bruxel bakery, to sharing homemade apple cider in northern France with new found friends, biking (with camping gear) around lake geneva (filling our water bottles in the heart of the small town’s fountains) admiring mountain views on our nightly waterfront campsite. Any trips does not need to be over the top, just a plane ticket, a car rental, camping gear and your passports–ur ready for an adventure! Your kids will thank you for it later, not to mention your pension plan.
It has always been our belief that on our death bed, we won’t be talking about the expensive coffee tables we bought 30 years ago, but the times we shared with family and friends on these unforgettable adventures.

    davedineen on

    Denise — You sure know how to live! And it’s great that you’re passing your sense of affordable adventure on to the next generation. What a wonderful story — thanks for sharing!

eileam Neddup on

My wife and I do not do such long trips but the philosophy is the same. Stay away from organised tours although one hop on/hop off tour helps orientate yourself in a strange city. Shop on the internet for cheaper hotels or B&Bs. Check prices carefully before you eat in the hotel- particularly breakfasts. Buy locally the kind of raw food that doesn’t require cooking and picnik, in your hotel room if that is what is convenient. Otherwise buy takeouts. Above all use public transport. That is the surest way to get a feel for the place and the people. And walk.

    DaveDineen on

    Those are all excellent tips! The only one my wife and I haven’t used is the one about hop-on, hop-off city tours. I’m not sure why … just never done it. Given your recommendation, we’re going to make use of city tours like that when we visit several South American cities later this year. You’re right about public transit. We just visited London, U.K. and just LOVE getting around on the Tube (subway) and double-decker buses. We’ve found ticket station staff and local transit riders amazingly helpful and patient in helping us find our way. A day or week transit pass can be really good value, if you’re going to use public transit a fair bit. Thanks for sharing!

Grant Oxner on

Dave…Congratulations on reaching your retirement goals. It’s terrific to read about your travel tips. Debra and I will continue to follow you as you share your experiences and learnings. Please keep it up and enjoy life as it was meant to be lived…slowly…Cheers, Grant

Bill M on

Sounds idyllic…. how do you find arrangements like the one you describe in Italy?

    DaveDineen on

    Hi, Bill. Good old fashioned Web searches seem to work fine in getting a list of potential places to stay. It really helps to have a good sense of what your needs are vs. your wants. Then, email back and forth is a great way to ask questions/get clarifications/confirm availability. Sometimes, there’s a rental agency between you and the landlord, but sometimes not.
    If the landlord is web savvy enough and is on Skype, you can ask them to give you a virtual tour of the actual space you’d be staying in. If the landlord has a webcam-equipped laptop or a mobile video camera, that can give you a great feel for what you’d be getting.

      Lynda Carrington on

      Travelled to Italy a few years ago. Used the web to find B & B’s in Assisi and Florence. Stayed in a convent converted to a hotel in Rome(2 blocks from the Vatican). I will never take another tour. Sitting in the bus all day is not my way to travel. I can point you to the best bakery in Paris and I bought Pizza from a shop window near the Trevi Fountain. I’m not retired yet but I work to pay for the travel. I take at least 4 weeks holidays a year. I travel slow and inexpensively.

      davedineen on

      Hi, Lynda. Sounds wonderful! You’re pointing out one of the greatest benefits of slow travel — the opportunity to find and experience (repeatedly!) the best that a place has to offer. Knowing you can pop around to the best bakery in Paris is a whole different thing than trying to find a quick bite before your tour bus heads off in another direction in 60 minutes.

Anne Levy-Ward on

Dave, you are living my dream — I hope you don’t mind if I live vicariously through you for a while! Early retirement is, sadly, not in the cards for me, so the next best thing is to enjoy yours!

    DaveDineen on

    Hi, Anne. Yep, I’m a lucky guy. But I hope you also have current opportunities to enjoy the stage of life you’re currently in. Maybe you could try a “sneak preview” of what you’d like your future retirement to look like. For example, if you’ve always dreamed of a nice retirement trip to France, why not set aside one evening at home to enjoy a nice bottle of French wine, maybe with a nice French cheese, and perhaps a baguette while watching a French movie on TV. It’s fun to pretend and I bet it could be a fun evening! You could tell your friends you actually retired on Friday night, but decided to return to work on Monday because you missed the hustle and bustle. ;-)

Shaun Devine on

Great to hear from you Dave.

U.S. Passport? Ooops.

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