

Some of us aren't quite ready to take that overseas trip, while others have long given in to the travel bug and have been on flights since before the U.S. required negative COVID tests to return home. (Oh, I know I'm not the only one). If you're a travel lover like me, you might have been keeping a watchful eye on those coins in the past few months, looking for ways to save just to book the flight and luxe accommodations. Well, I'm also a discount lover with the I-got-it-but-I-ain't-spending-$5,000-on-nobody's-travel-package bougetto kind of traveler.
Whether you're among those waiting another six months or so before using those travel credits, or you're all set to go on your next adventure soon, check out a few tips that have helped me in planning luxury travel on a budget:
1. Venture beyond the usual third-party discount sites for booking trips.
Listen, we all know about the whole savings tip of traveling during off-peak times, and we know that Groupon is the go-to OG for booking discounted trips. (So are Expedia, Orbitz, Hopper, and Kayak.) However, sometimes I don't have the time or just don't want to fly out somewhere during some weird season where the vibes are nonexistent or just not festive. (Oh, and let's not forget the "revenge travel" that's going on now, making us all forget what a "peak" season even is with all the crowds and price surges.)
I've found great deals and discounts by going directly on a hotel's or airline's official website and signing up for their membership programs. Doing this allows you to avoid missing out on perks like having the ability to upgrade or have to deal with the sneaky third-party fine print that says the booking can't be changed or adjusted. For example, Hilton Honors offers some amazing perks for members to stay at their more than 5,900 properties around the world, their options are diverse and fabulous for staycations and overseas trips, and their customer service is everything.
I also love the Marriott Bonvoy program, where you can earn free nights and get updated on special member rates. (And don't think of Marriott as that budget hotel your family always stayed in for the annual reunion. They've got some pretty amazing luxury properties around the world including the W and the Ritz Carlton brands.)
2. Tap into rewards.
Getty Images
It's also a good idea to check out your favorite airline's rewards programs and, for trips that take more than 8 hours or might be that one-time-a-year treat, book directly with them as a member. I absolutely love American Airlines Advantage, and they're my fave for my many trips to the Caribbean. The miles seem to rack up pretty quickly, the boarding process is typically seamless and stress-free, and miles can be used without a lot of annoying and inconveniencing stipulations.
Many credit card companies offer rewards on travel (NerdWallet has an excellent list of the best, by the way) and if you travel a lot, it's a good idea to look into the best ways you can make both your debit and credit cards work for you in terms of saving coins. Several banks offer cashback rewards on your purchases, so check out a few of those as well. (Here's a link to get you started, sis. You're welcome.)
3. Add luxury touches pre-trip.
You might have a coach ticket, but that doesn't mean you can't have a bit of luxury during your commute. I'm a huge fan of airport lounges, and if you're not into spending $600-$800 for access, try a day pass. American Airlines offers one for its Admiral's Club access where, for $59, you can get chef-inspired food and drinks, comfy seats to scroll the web via their free Wifi, and some even have shower suites. United, which has more than 45 lounge locations, also offers a $59 day pass that can be purchased via their app.
I also have no shame in bringing my own mini-bottles of top-shelf alcohol (if it's that kind of trip!), which can run you just $1.50 to $7.00 per bottle for brands like Johnnie Walker Black, Patron, Kettle One, or Ciroc. I simply pack my "nips" in my carry-on bag and add them to mixed drinks (virgin, of course) or juices for a pre-boarding cocktail.
You can also add luxury to the commute to and from the airport by spending a few extra dollars with Lyft Lux and ride in style via a high-end sudan or SUV. Only drivers who are highly rated and experienced are allowed to participate. And who wouldn't like getting picked up from the airport in a nice, clean BMW, Lexus, or Cadillac?
For the times when I can't swing hundreds of dollars a night for lodging, I pack luxury items to take with me to the budget digs. Items like a silk robe or lingerie, aromatherapy bath oils and gels, satin pillow cases, small scented candles or bottles of sparkling water (bought at the airport of course) all add that luxe touch to my stay.
4. Book a villa or home rental vs. the usual resort packages.
Getty Images
I get that many people are just used to resorts and like the one-stop-shop vibes of just booking a weeklong stay for $2,500 or more and enjoying all-inclusive amenities the property offers. But I've found that traditional resorts just aren't my cup of tea. My idea of the "luxury" I should be getting for that price just never seems to match up with what many offer. (Either I don't like the food or the customer service as much as I should for the price, or the entertainment is just not within my tastes.)
Sometimes spending that same $2,500 to book a longer stay at a villa or home rental is a much better experience, and you get to really tailor or choose the version of "luxury" you prefer.
For example, in Negril, Jamaica you can get a private home with a pool, proximity to a private beach, and modern amenities for $250 to $300 per night, and simply hire someone to come in to cook custom meals for you. (Trust me, they're out there. If the host can't connect you, it's easy to find one by asking a taxi driver or restaurant host.) You can create your own fun, utilize the technology, and have privacy. To me, that's a more luxurious experience (and more bang for my buck) than being limited to cafeteria-style and chain-food-serving restaurants, sharing a resort pool with dozens of people (who apparently flew thousands of miles to hear Top 40 hits of the early 2000), or being underwhelmed by drunken tourists doing absurd versions of twerking.
5. Think outside the (location and type) box when it comes to lodging.
There are so many so-called hidden gems that have a luxury vibe but are not among the popular or well-advertised spots. For example, instead of staying on the popular Hip Strip of Montego Bay, sometimes I opt for Lucea, Jamaica, a small town located between Negril and Montego Bay. Try the Grand Palladium, which will run you about $250 to $321 per night vs. popular resorts in Negril that cost upwards of $400 per night for similar amenities. Or instead of staying in Tulum or Cancun, Mexico, where luxury hotels might run you upwards of $350 per night, try Playa del Carmen or San Jose del Cabo, where the average prices for luxury stays start around $200 per night.
Boutique hotels in popular vacay destinations also tend to offer good deals on room rates, and you'll still get the luxury feel of a resort. I like Villas Sur Mer which features the cutest cottages, a beautiful pool, cliff-side access, and amazing views for as low at $126 (during some seasons).
Also, luxury hostels are a thing. (Travel Binger has an awesome list of top spots around the world.) You get luxe touches like modern amenities (think: underground clubs, laundry services, private terraces, chic cafes, and travel shops), great views, and customized extras at super-affordable rates.
6. Research organizational affiliation and student deals or corporate discounts.
Getty Images
I often overlooked this until I found out that as a grad student, I qualify for quite a few discounts or deals on everything from plane or train tickets, to transportation vouchers, to hotel stays. If you're part of a sorority or volunteer organization, you're a military veteran or active service member, or you're a church leader, you might be eligible for discounts. Also, memberships with orgs and companies like AAA, Costco, BJs, and credit unions can have the added benefit of travel deals. Your school's alumni association might even offer discounts.
I've also, in the past, worked for companies that had partnerships with other brands and offered discounts via those partnerships. Check your job's website or ask an HR rep about any sort of travel discounts you might be eligible for as an employee. (Oh, and check out these companies that offer competitive benefit packages that put vacation at the forefront.)
Featured image by Getty Images
- Why Glamping Should Be Your Next Girls Trip - xoNecole: Women's ... ›
- What You Need To Know About New Orleans' Newest Luxury Resort ... ›
- I Quit My Job To Travel On A Year Of Savings - xoNecole: Women's ... ›
'He Said, She Said': Love Stories Put To The Test At A Weekend For Love
At the A Weekend For Love retreat, we sat down with four couples to explore their love stories in a playful but revealing way with #HeSaidSheSaid. From first encounters to life-changing moments, we tested their memories to see if their versions of events aligned—because, as they say, every story has three sides: his, hers, and the truth.
Do these couples remember their love stories the same way? Press play to find out.
Episode 1: Indira & Desmond – Love Across the Miles
They say distance makes the heart grow fonder, but for Indira & Desmond, love made it stronger. Every mile apart deepened their bond, reinforcing the unshakable foundation of their relationship. From their first "I love you" to the moment they knew they had found home in each other, their journey is a beautiful testament to the endurance of true love.
Episode 2: Jay & Tia – A Love Story Straight Out of a Rom-Com
If Hollywood is looking for its next Black love story, they need to take notes from Jay & Tia. Their journey—from an awkward first date to navigating careers, parenthood, and personal growth—proves that love is not just about romance but also resilience. Their story is full of laughter, challenges, and, most importantly, a love that stands the test of time.
Episode 3: Larencia & Mykel – Through the Highs and Lows
A date night with police helicopters overhead? Now that’s a story! Larencia & Mykel have faced unexpected surprises, major life changes, and 14 years of choosing each other every single day. But after all this time, do they actually remember things the same way? Their episode is sure to bring some eye-opening revelations and a lot of laughs.
Episode 4: Soy & Osei – A Love Aligned in Purpose
From a chance meeting at the front door to 15 years of unwavering love, faith, and growth, Soy & Osei prove that when two souls are aligned in love and purpose, nothing can shake their foundation. Their journey is a powerful reminder that true love is built on mutual support, shared values, and a deep connection that only strengthens with time.
Each of these couples has a unique and inspiring story to tell, but do their memories match up? Watch #HeSaidSheSaid to find out!
Let’s make things inbox official! Sign up for the xoNecole newsletter for love, wellness, career, and exclusive content delivered straight to your inbox.
Feature image screenshot/ xoNecole YouTube
Are You & Your Partner Financially Compatible? Here’s How To Tell.
With nearly half of all marriages that end in divorce citing finances as the nail in the coffin to deading their relationship, financial compatibility is one aspect of long-term compatibility that doesn't get talked about enough. Beyond the circular 50/50 discourse and whatever hot-button issues regarding providers and the like, at its core, financial compatibility is about how well your financial behaviors, values, and long-term goals align with those of your partner.
More than it is about how much money a person makes or doesn't make, financial compatibility focuses on how you think about money, how you spend your money, and most importantly, how you plan for the future with your money. Think, questions about money mindsets, spending habits, debt, budget, etc. Are you a saver and he's a spender? Do you see money as a tool for freedom? Does he see it as something to hold on tightly to as a means of survival? Can you talk about your financial goals and plans openly?
Knowing if you and your partner are financially compatible can save a lot of heartache, a lot of headaches, and a lot of money in the end. Keep reading for a few key indicators to pay attention to and learn whether or not you and your partner are truly aligned financially.
Signs You’re Financially Compatible
1. You can talk about money without judgment.
Conversations about money aren't something you dread. You're able to talk to your partner freely and openly about money matters, like debts, bills, the budget, etc., even when it is uncomfortable. There is an understanding that talking about money doesn't have to be something you're on the defense about, instead it's an opportunity for transparency, clarity, and solutions.
2. You respect each other's money personalities.
What is a money personality? According to Ken Honda, author of Happy Money, a money personality is our "approach and emotional responses to money" and there are seven money personalities we can fall under. These personalities can help us understand our own relationship with money, as well as our partner's. For example, maybe you're someone who likes to treat yourself to a fancy dinner once a month and your partner is someone who believes ordering takeout and not cooking meals at home is a cardinal sin.
When you can respect each other's money personalities, neither approach is subjected to judgment and shifts can be made in each other's spending habits as needed and from a place of love versus guilt or shame.
3. You agree on what it means to have "financial security."
Whether it’s building a stacked emergency fund, paying off debt before putting a downpayment on a home or being able to splurge on a baecation without checking your account balance before the bill arrives, your definitions of what it means to be financially secure are in sync, or at least compatible enough to reach a compromise.
4. You are not each other's "financial parent."
You’re not constantly teaching, fixing, or stressing out over what the other person is doing with their money. Although I fast-forwarded through a lot of the most recent season of Love Is Blind, I did pay attention to Virginia and Devin and money seemed to be a recurring theme in their conversations. It was clear Virginia had her ish together when it came to money and her financial plans for the future and Devin was not quite on her level.
Though she said no at the altar for additional reasons, I could also see how sis could eventually get very tired of being her partner's second mama, so to speak. And that's the thing about being your partner's "financial parent," eventually, you could end up feeling like you are one-half of a "parenting" or "teaching" dynamic with your partner instead of feeling like you're equals in a partnership.
5. You make financial decisions with each other in mind, not for each other.
Whether it’s booking a trip, deciding which debt to tackle first, saving up for a big purchase, or planning out your next move, there’s a mutual respect for each other’s input. Those shared goals might look like wealth, freedom, stability, or just a debt-free life that feels soft and secure.
You don’t have to be chasing the same bag in the same exact way, but you do need to be aligned on the vision. What you're building should feel like a joint venture with shared effort and purpose, not one of y’all making major money moves like you're still single. Making financial decisions is not just about where the money goes, it's about where you’re going together.
6. You're aligned when it comes to the big stuff.
Financial compatibility extends to the long-term of money management. The legacy, structure, and shared responsibility that comes with decisions like shared accounts, estate planning, having babies, or even blending families. Will you split bills or combine income? Who’s taking time off if you have a child? How do y’all feel about generational wealth or investing for your family’s future? You and your partner have had the real conversations.
These conversations can’t wait until after the wedding or until after a baby’s here. They’re the foundation for how you function as a unit, and if you're not aligned, or at least willing to get on the same page, that incompatibility can cause friction in the end that love alone can't fix.
Love is cute and all, but building an empire together? That’s the real flex. Tap into our new series Making Cents to see what financial compatibility really looks like when love and legacy go hand in hand.
Let’s make things inbox official! Sign up for the xoNecole newsletter for love, wellness, career, and exclusive content delivered straight to your inbox.
Featured image by pixdeluxe/Getty Images