Given the drive to achieve as much as we can there is hardly any time to go on vacation; even when we do go on one we stay glued to our work remotely. Interestingly, refusing to take a proper vacation can negatively impact your productivity and increase your chances of a heart attack. Hence, you can consider investing in a vacation plan as investing in your health. Asides from planning the schedule, you also have to plan how to fund the vacation so you do not go on vacation only to resume debts.
To help with planning your vacations in a smart manner, we had an engaging chat with Funmi Oyatogun of TVP Adventures. She describes herself as Nigeria’s most adventurous woman; given the value, she delivered through the chat we believe she might just be right. That said let us share some excerpts of the chat with you.

Cutting down costs while planning a vacation is quite important and one way to go about that is employing the use of traveller miles. On this Funmi says: “Here’s the trick. You might not always be able to fly one airline but you can fly different airlines within an alliance. It is almost the same as flying one airline because alliance partners share miles! The more you fly within an alliance, the faster you accrue miles!” Alliances available to Nigerians for foreign trips are the Sky Team Alliance, Star Alliance, OneWorld.
Also, Funmi is heavily invested in group travels, she says: “Group travel builds amazing community, you build better memories, you spend less money (overhead costs are shared) and you have a lot better on-the-road experiences! Group travel is lit!”. To participate in such group trips or any vacation at all she suggests that you save a percentage of your earnings, after saving for your rent, future investment etc., for your vacations.

If you plan on having a group vacation this year you can create a Savings Circle on Cowrywise. With a Savings Circle, you do not only get to enjoy a better travel experience by travelling as a group. You also get to crash the travel costs, because together means cheaper.
On vacationing in Africa, she said surreal locations on the continent are closer and more affordable than we tend to think, and went on to suggest five examples:
Affordable African Country #1: Benin Republic!
When I shared the gems of Benin Republic, Twitter went wild! We have group packages for less than 150k (all inclusive). In fact, we returned last week from a trip with 16 people! See the trending post – https://t.co/6k5uuUd19O
— Funmi Oyatogun (@funmioyatogun) June 7, 2018
Affordable African Country #2: Kenya!
I fell in love in Kenya. This was another thread that blew up. Kenya issues visas on arrival has excellent flight connections, offers wildlife, city (Nairobi is bae), beaches, adrenaline, name it! See more - https://t.co/WKR2NnXz3b
— Funmi Oyatogun (@funmioyatogun) June 7, 2018
Affordable African Country #3: Uganda!
I bet you didn't think about this one. In Uganda, you can let your adrenaline rush. Bungee jumping, horse-riding, ziplining, white-water rafting, etc. And connections are great too. Oh, and it is VOA too.https://t.co/FIuq0MK90T
— Funmi Oyatogun (@funmioyatogun) June 7, 2018
Other destinations she suggested were The Gambia and Nigeria interestingly. To round up the conversation she gave her favourite travel hacks:
1. Travel with an open mind, so you don’t limit your experience.
2. Consider booking apartments when you travel. Lovely!
3. If you can, travel when everyone else is at home. The end of January and most of February is a very cheap time to fly.
Using Cowrywise already? Kindly share your experience here, we want you to celebrate you. If you have any questions for us you can tweet at us, send an email or chat directly with us.
You can follow us on Twitter, Instagram and Facebook to keep tab with our updates.
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I can’t open my acct dat y av nt been saving..
It like I forgot d my password.
After Bible it’s the richest man in the Bible I love most. The wisdom is eternal.
You probably should request a password recovery mail.
A most inspiring, and enlightening, book on finances; on proper management of funds (saving and investment).
A highly recommended guide for anyone desirous of excess gold to jingle in their wallet.
Thanks!
I am glad that you loved it!
I love your words of encouragement on how we have saving.
Whoa!,thanks ope..
Glad I could help. Don’t forget to share with friends.
I am inspired by this…
I have myself read the Richest man in Babylon twice. The book if understood would change the financial life of the reader forever if applied. Thanks for reminding me once more.
Thanks for this Ope
I love how one doesn’t only have to invest in cowryrise, it is also a platform to learn.
Thanks ope
Cowrywise is really helping us to be wise in spending and saving. Thanks for this piece…
Beautiful read and full of wisdom.
Thanks for sharing
Good evening ope, what are the investment plans for a student?
Our regular plans are great.
I made a transfer from my stash to my bank yet no credit
All am seing is pending
Please what is going on
Hi Prosper.
Kindly send an email to support@cowrywise.com to rectify this.
Really nice, thanks alot
Pls,how can I get the book?
Thanks so much
I love cowrywise I think is among the best thing that happened to me this Year 2019… thanks for this saving App
Thanks so much. Need to read this book. I downloaded the ebook but yet to read it. Will sure do. Thanks for this inspiration Ope.
Hi Ope, even though I have never met you, I just want to say thank you for all you do?. And thank you cowrywise? .
Interesting….. Thanks a lot Ope
Thanks a lot Ope…
I always feel special when i recieve a message from Ope
Is good I love it
Wonderful advice!
Thanks
Thanks for the advised Mr Ope
After reading everything I have decided to go back to my saving culture with Cowrey wise as the savings really heaped me during the luck down in 2018. I was able to save some money which really helped me when salary was not paid and as business shutdown. Thank you Ope, for this article ?
Ope has Don well dey should keep the good work
Thank you Ope. The simple tips came in handy.
I love this 7 nuggets so motivating. Before now I started reading the book but stopped half way but now I will start all over and complete it.
Thanks so much Ope.
Thank you so much for this Ope!
I started saving with Cowrywise late last year and much happy I did. Thanks, Ope for this piece, seen that book a lot but have less time to read it till the end, glad have someone give a summary ):
I just started saving with cowry wise in December and with this information and so eager to do more. Thank you Ope.
Hello Admin
I love this platform …I’m a Digital marketer expert which i work under a firm..I introduced this to them..The Director of my firm would like to have chat with your CEO before he recommend it for all members. How can i link you up? Many are asking of the risk..If i would be responsible for it …We are hundreds in this firm… It would be good if you can contact me directly sharing your whatsapp number via my email…Thanks
Hello Ayo, thanks for your patience. Please send an email to support@cowrywise.com.
Yes oo… I have read the novel “the richest man in Babylon” thanks for the 7 money Lessons….
This is really good. I feel very save using cowrywise.
That is great to know.
Why is it taking tikme for your customer representatives to reply.. i Have credited the providus account provided and still my balance in does not reflect in my Plan
Interesting I love this
i have had savings issue for a long time …..but ever since i joined cowry…everything changed
So glad to hear this.
Pls I could access my bvn hope no problem. Is say we couldn’t validate Ur bvn
I could nt access my bvn it tell me we couldn’t validate Ur bvn
Hi there. If this is still pending, you can settle all BVN issues through details in this link:
https://intercom.help/cowrywise/en/articles/3711418-got-concerns-about-your-bvn
What is the title of the book?
I have read the book and been applying it’s principles ever since. It’s one of the best I have read so far. Thanks for recommending it again.
Thanks, this just cured me of my obsession to buy a new golden shoe.
You’re welcome.
I’m glad you read it just in time.
Ope great Job! I hope to meet you someday. I am always intrigued by the quality of Content you share. Take 3 gbosa ??
Thank you! ???
Indeed, the ideal of investing in oneself should be daily routine is highly commendable. Thanks for the continuous awareness. Regards
Thanks for reading, Joye! ??
What is the interest rate in the simple investment plan?.
This is very good and lovely. I am glad it read it..
It will help me save and invest more.
I have a question which I don’t want to ask here.
Awesome! Glad it helped, Alex.
Please send a mail to support@cowrywise.com to ask or send us a DM on any of our social media handles.
Read this book sometime in the past, basic and true. Thanks Ope for the enlightening reminder.
??
Read this book 3times before and each time I open it its like something new is discovered.
Thanks Ope for all your updates.
??
This book is really nice, so helpful I love it
Thanks for sharing.
You’re welcome!
Ope, great job. Just started using cowrywise say, a month back. But, for this short time, your regular updates regarding investments have always reminded me of why I should step up my game on my savings habit. Thank you for all you do and still doing to help and support cawrywise clients or investors. We look forward to steady and regular updates on all that cowrywise do. Thumbs up to you all. Cheers!
What a nice write up.It’s really educating.
Thank you!
Yes my mentor, this is really an eye opener,..it makes me to rethink of my next move.. thank you
Security is important, and hence our proactive approach to security of savings through our Trust structure that allows all assets to be held by our trustees on behalf of savers.
Yeah it lovely. I will try to buckle down in my savings.
ksunday885@gmail.com
Please I need a loan for a business I’m totally down I real need a loan please help me out I promise to pay back in due data my mother is totally down all because of no money for her treatment
This book continues to create an awareness of principles for wealth creation . Thank you ope
Meanwhil i just love your web page its interactive and legible.
Wow , content writers here are really good , I love how OPE related the lessons of this book to what cowrywise does.
The Richest Man in Babylon is one of those books that has been on my “To Read” shelf for years?. The only reason I finally picked this up today was to catchup with my non-fiction reading goals. Turns out, this is actually a fantastic read! Nice piece Ope..
I’m new to cowrywise.. please I need more enlightenment so as to share with family and friends..
Thanks
Inspiring.