<![CDATA[Financial Travel Buddy]]>https://financialtravelbuddy.com/https://financialtravelbuddy.com/favicon.pngFinancial Travel Buddyhttps://financialtravelbuddy.com/Ghost 5.109Mon, 10 Mar 2025 02:23:54 GMT60<![CDATA[🇯🇵 Osaka - A 3-Day Itinerary]]>Osaka, Japan! I recently spent some time exploring this incredible place, and I'm excited to share my jam-packed three-day itinerary with you.

Day 1:

After arriving in Osaka by flight from Tokyo in the morning - some people prefer to take the bullet train, but I found the

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https://financialtravelbuddy.com/osaka-a-3-day-itinerary-2/67ce4ae247038cda7749baeeMon, 10 Mar 2025 02:15:10 GMTOsaka, Japan! I recently spent some time exploring this incredible place, and I'm excited to share my jam-packed three-day itinerary with you.

Day 1:

After arriving in Osaka by flight from Tokyo in the morning - some people prefer to take the bullet train, but I found the flights to be cheaper when I visited, I visited the following places:

  • Kuromon Fish Market.

This bustling market is a feast for the eyes, offering an array of fresh seafood, local delicacies, and street food treats. It's the perfect place to grab lunch and soak in the vibrant atmosphere. Don't be afraid to try something new – you won't (probably) regret it!

  • Shinsaibashi-suji

After fueling up, it was time for some retail therapy. This sprawling shopping street is a shopaholic's paradise, packed with everything from high-end boutiques to quirky souvenir shops.

  • Minami

As the afternoon rolled around, I ventured into Minami, a lively district in Namba. This area is known for its entertainment, restaurants, and vibrant nightlife. It's a great place to wander around, people-watch, and get a feel for the local vibe.

  • Dotonbori

As evening descended, I made my way to the dazzling Dotonbori. This iconic district is famous for its bright lights, giant billboards, and delicious street food. From the Glico Running Man to the towering crab, Dotonbori is a visual spectacle. I indulged in some takoyaki and okonomiyaki, soaking in the atmosphere.

  • Club Ammona

The night culminated at a popular spot for dancing and drinks. It was a fantastic way to experience Osaka's nightlife and dance the night away. In addition, I had the strange experience of being in a club full of locals, all of whom seemed to know the same dances to the same songs - so at times it was like being the odd-one-out in the middle of a choreographed dance!

Day 2:

  • Kuchu Teien Observatory

Also known as the Floating Garden Observatory. The panoramic views of the city skyline from this rooftop observatory are simply stunning. It's a must-visit for any photography enthusiast.

  • Osaka Aquarium Kaiyukan

This world-class aquarium is home to an incredible array of marine life, including majestic whale sharks. I spent hours exploring the underwater world.

  • Tempozan Ferris Wheel

After the aquarium, right next door, I took a relaxing ride on the ferris wheel, enjoying breathtaking views of the harbor and city. It's a short but sweet experience that offers a unique perspective.

  • Tsutenkaku Tower

Finally, this iconic tower offers another fantastic view of Osaka, and for the adventurous, there's even a slide! It's a fun and quirky way to end the day.

Day 3:

  • Osaka Castle

A stunning landmark that played a crucial role in Japanese history. Exploring the castle grounds and learning about its fascinating past is a truly must-do when visiting Osaka (if only because everyone else does it).

  • Osaka Castle Garden

This beautiful garden offers a tranquil escape from the bustling city and is the perfect place to relax and reflect. Additionally, it is, as the name might suggest, right next to Osaka castle.


I hope this itinerary inspires you to plan your own Osaka adventure! What are you most excited to see in Osaka?

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<![CDATA[Is Trip.com Diamond+ Worth It? A Critical Look at the Perks]]>I'm a Diamond+ Tier Member with Trip.com - is it worth making all my bookings on Trip.com for the perks?

My answer - no! Why? In short, I don't believe the perks they offer stack up to better deals you may find on other

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https://financialtravelbuddy.com/is-trip-com-diamond-worth-it-a-critical-look-at-the-perks/67afaa590137bf520f19ece3Fri, 14 Feb 2025 20:46:21 GMT

I'm a Diamond+ Tier Member with Trip.com - is it worth making all my bookings on Trip.com for the perks?

My answer - no! Why? In short, I don't believe the perks they offer stack up to better deals you may find on other websites if you aren't "locked-in" with Trip.com.


The rewards offered by each tier in the Trip.com membership system is as follows (according to their "Membership Tiers" webpage):

Is Trip.com Diamond+ Worth It? A Critical Look at the Perks

As you can see - most of the perks aren't Diamond+ specific except for the following:

  • 50% More Coins
  • 8x Administration Fee-Free Train Refunds
  • 3x Free Airport Lounge Access
  • 2x 3GB Global SIM
  • 4x Free Airport Transfer Model Upgrade
  • 1x Free Attraction Ticket

There are a couple of caveats with these perks, namely:

  1. Administration Fee-Free Train Refunds are generally only applicable within Mainland China, this means that unless you are travelling a bunch in China, this perk is not necessarily useful for you.
  2. The free airport transfer model upgrade requires you to book a taxi via Trip.com which is generally more expensive than simply getting an Uber (or in China - a Didi), or just a normal airport taxi. In addition, I have been unable to get the free model upgrade without contacting support, as it never shows up during the booking process.
  3. Similarly to the airport transfer, I have been unable to redeem the free attraction ticket without specifically asking support, as it never shows up as an option during the attraction booking process, unlike the free lounge when booking a flight.

Now, assuming you also in Mainland China and use Trip.com taxis, let us add up the EUR value of all these perks:

  • 50% More Trip Coins: EUR ~55,43

In general, for every ~2,63 EUR you spend on Trip.com, you receive 1 Trip coin. This means that if we apply the 50% boost, this number drops to ~1,75 EUR. Now Trip.com states that 100 Trip Coins are equal to EUR ~0,97.

Considering that there is a minimum spend of EUR 10.000 annually to maintain a Diamond+ membership tier, you would receive around EUR 55,43 annually in Trip Coins.

  • 8x Fee-Free Train Refunds: EUR ~20

Each train refund generally incurs a fee of around ~20 CNY. This is around 2,5 EUR per refund. As such if we multiply that by the 8 fee-free refunds we receive as a perk - that comes to a value of around EUR 20.

  • 3x Free Airport Lounge: EUR ~75

Generally one entry into a free airport lounge - either with Priority Pass / DragonPass / Trip.com or with a bank costs around 25-35 EURs depending on the lounge. As such the total value of this perk comes to around EUR 75 to EUR 105. We'll err on the lower-side.

  • 2x Global SIM: EUR 11,88

The price of the same global 3GB SIM for 5 days on Trip.com is EUR 5,94. This means that this perk comes to a value of around EUR 11,88.

  • 4x Free Airport Transfer Model Upgrades: EUR ~5

The value of such an upgrade varies slightly, but I would estimate it to be between EUR 5 and EUR 10, depending on the country, duration of the ride, and car options available. Essentially it involves receiving a ride in a car similar to the "Uber Comfort" or "Uber Black" option in Europe, depending on the country.

  • 1x Free Attraction Ticket: EUR ~20

The value of a free attraction ticket varies slightly, but in general the value is around EUR 20 for one person's entry, as anything "tour-like" is not approved.

This leads to a total value of EUR 187,31. However, the problem is that if you are spending over EUR 10.000 annually on flights and hotels, you would likely save more than that by booking directly with airlines or hotels.

In conclusion: Don't feel "locked in" to Trip.com just for the Diamond+ perks. It's almost certainly worth your time to compare prices and consider other options. The small value of the Trip.com perks is unlikely to offset the potential savings from booking elsewhere.

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<![CDATA[🇪🇸 Madrid, Spain - A Half-Day (Layover) Itinerary]]>Although Madrid, Spain 🇪🇸 is a city you could spend a week in and not have discovered everything there is to see; sometimes you just have a quick layover and want to get a quick tour. That's what I did:

After landing at MAD airport, you can

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https://financialtravelbuddy.com/madrid-spain-half-day-layover-itinerary/67a0ea9fbceefa4b755c8794Mon, 03 Feb 2025 16:11:39 GMTAlthough Madrid, Spain 🇪🇸 is a city you could spend a week in and not have discovered everything there is to see; sometimes you just have a quick layover and want to get a quick tour. That's what I did:

After landing at MAD airport, you can easily take Line 8 until the "Nuevos Ministerios" station. From there you can take the metro C4 or C3b to station "Sol". The one-way trip should cost you less than 5 EUR.

From there I would recommend doing a rough circle of the following:

  • Puerta del Sol: This square is considered the heart of Madrid and a great starting point for your tour. It's home to the iconic clock tower whose bells mark the new year for Spaniards and the "Kilometer Zero" stone, the symbolic center of Spain's road network. Maybe take a photo with the statue of the bear and the Madroño tree.
  • Plaza Mayor: Just a short walk from Puerta del Sol, Plaza Mayor is a grand, enclosed square surrounded by beautiful 17th-century architecture. Historically a site for royal ceremonies, bullfights, and markets, today it's a lovely place to wander, and admire the statue of King Philip III in the center.
  • San Miguel Market: The perfect stop for a quick lunch - indulge your senses at this vibrant food market. Sample a variety of Spanish delicacies, from tapas and Iberian ham to fresh seafood and local wines. It's the perfect place to experience the flavors of Madrid in a lively setting.
  • Plaza de la Villa: This square, with its historic buildings and peaceful atmosphere, offers a glimpse into Madrid's past. Take a moment to appreciate the history and tranquility of this square.
  • La Almudena Cathedral: This impressive cathedral, with its neo-Gothic and neo-Romanesque styles, is a relatively modern addition to Madrid's skyline. Its grand interior features stained glass windows, intricate sculptures, and a beautiful dome.
  • Palacio de Oriente: The Royal Palace of Madrid is a stunning example of Baroque architecture and one of the largest functioning royal palaces in Europe.
  • Plaza de España: This large square is a popular meeting point and features a monument to Miguel de Cervantes, the author of Don Quixote. Enjoy the views and the lively atmosphere of this central square.
  • Paseo del Prado: This elegant boulevard, lined with trees and grand buildings, is home to some of Madrid's most famous museums, including the Prado Museum, the Reina Sofía Museum, and the Thyssen-Bornemisza Museum. Stroll along the Paseo del Prado to experience the city's cultural heart.
  • Puerta de Alcalá: This iconic triumphal arch, once the main entrance to the city, is a symbol of Madrid. Admire its neoclassical architecture and its historical significance. It's a great photo opportunity and a landmark you won't want to miss.
  • Plaza de Colón: This large square is a major transportation hub and features a monument to Christopher Columbus.

From station "Cibeles" you can then take bus 203 until the airport, or you could take metro 4 until "Mar de Cristal" and then switch to metro number 4 until the airport. Both options offer convenient ways to return to MAD airport.

Enjoy your Madrid layover!

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<![CDATA[Revolut's Ultra Plan - Is it worth it?]]>Is the Revolut's Ultra plan worth it?

My answer is no - here's why:

In the Netherlands, the Ultra plan stands at a price point of EUR 690 (EUR 50 for the first 3 months, then EUR 60 per month) - and yes while this is

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https://financialtravelbuddy.com/revoluts-ultra-plan-is-it-worth-it/679ea637565dda138c098793Sat, 01 Feb 2025 22:56:02 GMT

Is the Revolut's Ultra plan worth it?

My answer is no - here's why:

In the Netherlands, the Ultra plan stands at a price point of EUR 690 (EUR 50 for the first 3 months, then EUR 60 per month) - and yes while this is a promotional price - after your first year is up, you can simply downgrade your subscription to a lower plan, and then upgrade again for the same offer (at least as of Feb. 2025).

The benefits that I found to be the most useful (in the order they are displayed in the App) were the following:

  1. 1 RevPoint / EUR Spent
  2. Fee-Free ATM Withdrawals up to EUR 2000 / Month
  3. Unlimited Fee-Free Currency Exchange
  4. 3GB / Month Global Travel E-Sim
  5. 3.5% p.a. Interest on Savings
  6. Partner Offers - Tinder Gold, Nord VPN, ClassPass
  7. Unlimited Airport Lounge Access

While there are a variety of other benefits such as Commission-Free Trades, Revolut Pro with Uncapped Cashback, Insurance and a variety of partner offers - I do not use Revolut for Stocks/Crypto, nor do I have a Revolut Pro account, and based on the wide-variety of reviews I've seen surrounding Revolut's insurance policies - I don't trust them enough to cancel my existing policies.

With about half of the above listed perks - I find the following problem: I can get these benefits for free, or I wouldn't pay for them without having the Ultra plan. For instance:

  1. Fee-Free ATM Withdrawals and Currency Exchange - I can simply switch between plans in order to reset my monthly limit - thus gaining access to unlimited withdrawals and currency exchange without any problems.
  2. Partner Offers - While the combined yearly value of the three partner offers I find most useful is EUR 611,97, which is almost the entire subscription price - I would never purchase these myself, and the most valuable of these - ClassPass - doesn't actually allow you to go to the gym more than around thrice per month (at least in Amsterdam), and even if you purchase more credits at the "beneficial corporate rate" you would still be paying more per month than most other monthly gym subscriptions.

Tinder: Gold - EUR 165 / Yearly Plan

Nord VPN: Complete Plan - EUR 86,97 / Yearly Plan

ClassPass: 20 Credit Plan - EUR 360 / Yearly Plan (at a cost of EUR 1,5 per credit)

  1. 3.5% p.a. Interest on Savings - This is an increase of 1.1% from the free plan's interest rate of 2.4% p.a. - in order for the interest on your savings to pay for the price of the Ultra plan on a yearly basis you would need to have around EUR 63.000 in savings with Revolut. Most people I know don't trust Revolut with more than EUR 1.000 in their savings account - so I'm not sure who's willing to risk putting 63.000 into their savings account.

Moving onto the less-problematic benefits... these must make up for the difference you might say - but no. Here's why:

  • Unlimited Airport Lounge Access: This is accomplished through a partnership with DragonPass, and if you were to purchase the equivalent "Prestige" subscription it would cost you around EUR 410 / year. However, this is only worth it if you travel 1) more than 4 times per year; and 2) solo most of the time. If you travel 4 or less times, then the value drops to EUR 250 with the "Preferential" DragonPass subscription. In addition, this is only a saving of around EUR 27, as if you were to purchase the passes separately at EUR 34 a piece on the free plan it would cost your EUR 272. Finally, if you don't travel solo - you'll still need to purchase a "guest" pass for your travel companions at EUR 24 per entry.

    Personally, I travelled on more than 16 flights in a 2 month period, and only used the free lounge around 3-4 times as my flights were either too early / late for the lounges to be open, or I would be travelling with other people, at which point the EUR 24 per additional person became too expensive to be worthwhile for a quick snack.
  • 3GB / Month Global Travel E-SIM: While quite useful in general, I experienced a lot of issues with connectivity - usually for the first half-, or full-day of arriving in a country. Furthermore, it was often much more convenient to purchase a local SIM in order to have a local number for use with local transportation or food-delivery apps.
  • 1 RevPoint / EUR: Compared to 1 RevPoint / 10 EUR on the Plus plan or on the Standard plan with a "RevPoint Savings Plan", this is quite the improvement.

    However - what can we do with these points? Well, the only real use is converting them at a 1:1 ratio to several Airline miles programs (e.g. FlyingBlue, Miles&Smiles, and OneWorld).

    So how much are these points worth? Being located in the Netherlands, the most interesting program is KLM's FlyingBlue. They offer one-way european flights for around 7,500 miles, and one-way intercontinental flights for around 17,000 miles. This means that for every EUR 7,500 you spend on Revolut while on the Ultra plan - you receive a "cashback" equivalent to around EUR 75 or 1%, or for every EUR 17,000 spend - you receive a "cashback" of around EUR 1000 or ~5-6%.

    While that is quite a heafy cashback, personally, I don't spend enough on a monthly basis to warrant paying EUR 65 per month, to receive a 1% cashback.

Therefore, overall I would argue that on the Dutch Revolut, the Ultra plan is not worth it.

Notes:

  • I don't mention the Platinum card in this article, as it doesn't really have any value beyond being a status symbol. However, it does accomplish this purpose. Although personally, I prefer the customized Metal card, as the Platinum card cannot be personalized with text or drawings.
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<![CDATA[🇬🇮 Gibraltar - A 1-Day Itinerary]]>Generally, Gibraltar 🇬🇮 is the kind of country that people only visit once - for a day, just to get it off their list or to add another to their list. I was one of those people and I won't try to convince you to stay longer.

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https://financialtravelbuddy.com/gibraltar-a-one-day-itinerary/679e971c565dda138c098763Sat, 01 Feb 2025 21:56:35 GMTGenerally, Gibraltar 🇬🇮 is the kind of country that people only visit once - for a day, just to get it off their list or to add another to their list. I was one of those people and I won't try to convince you to stay longer. So without further ado - my optimal one day itinerary in Gibraltar.

Travelling from Malaga:

I took the bus from Malaga to Gibraltar which took about 3 hours. It cost me about EUR 20 each way, so about 40 total. The first point of confusion for me was:

  • There is no station called "Gibraltar", rather you want to go to "La Línea de la Concepción".

Google Maps will show you a relatively accurate schedule (although it does warn you that they don't have the most accurate schedule for the route).

You can try to buy tickets online (https://malaga.avanzagrupo.com/en), however, it seems like the website has not been working for the past few months. If it still isn't, you can head to the central bus station in Malaga (https://maps.app.goo.gl/kaN8xiFGUeyH3fY69) around 30 minutes prior to the departure time of your planned bus.

  • Rough Schedule: From Malaga to La Linea: 08:30, 11:30, 13:15, 14:30. From La Linea to Malaga: 07:45,11:45, 12:35,16:30, 20:00. (These may not be 100% accurate, I would recommend double checking on Google Maps or other blogs.)

At the counter they spoke enough English to sell me a one-way ticket to Gibraltar (I was told it is only possible to purchase a one-way ticket, you have to purchase the return at the counter at La Linea). They accepted card at the counter in Malaga. When I arrived in La Linea I immediately went to purchase a return ticket - they only accept cash there!

Overall, the bus was quite comfortable, and even relatively empty (I went on a Sunday at 8:30). The bus ride takes about 3 hours.

Travelling from Elsewhere:

You could fly to Gibraltar from the UK, drive a car, or take a bus from elsewhere in Spain or Portugal.

The most cost effective option is likely a bus - I would recommend just going to the central bus station in whatever city you're in and asking at the counter there (usually you'll find a bus leaving within a couple hours). Note: The station you want to head to is called "La Línea de la Concepción", from there it is a 5 minute walk to the Gibraltar border.

Crossing the Border:

  • EU Citizen: ID Card
  • Otherwise: Passport - if you have a Schengen visa, you won't have any problems entering Gibraltar.

From the "La Línea de la Concepción" bus stop, it is a 5 minute walk to the border, the line there is generally rather long, so I would recommend planning about an hour or more waiting in line - especially during rush hour (Monday through Saturday, 6am to 8:30am and 4pm to 8pm).

I crossed on a Sunday in the late morning and I waited about 30 minutes on the way into Gibraltar, and I would have had to wait 1 to 1.5 hours on my way back during the early evening (I didn't by joining the Spanish migrant workers queue and skipping most of the line - in my defence I had 5 minutes to make my bus and I didn't really intend on staying the night in Gibraltar).

Once you've crossed the border, you will need to take a bus that costs around EUR 3,50 to the center (they only accept cash, either EUR or GBP, and there doesn't seem to be an ATM directly at the border). I suppose you could also walk - especially if you'd like to cross the Airport's landing strip, but it is a 20-40 minute walk depending on whether there is an airplane landing (and there doesn't seem to be any cover in case of sun or rain - don't underestimate the sun, the airstrip is pure concrete, so it gets quite hot even on a rather mild day.)

One Day Itinerary:

  1. Grand Casemates Square

This is the main square of the city, with a bunch of shops and restaurants. I didn't find it too interesting, but it is a good place to start especially since the bus from the border stops quite close to here and you can get a nice feeling for the English-Spanish mix of life by listening to the people around you. In addition, this is a nice place to buy a magnet or other such souvenir, if you're into collecting them.

  1. Moorish Castle

It is about a 15 minute (up-hill) walk to this castle, and you can get some nice views of Gibraltar on your way up through some of the less touristy parts of the city. Once you've made the 15 minute walk, you'll come to a ticket booth where you'll need to pay EUR 25 per person to enter the entire natural reserve area (this includes tickets for all the attractions that follow). Just make sure not to lose the bracelet they give you (you'll need it to enter all the other attractions).

The castle itself is quite underwhelming - unless you're a history buff - however, it is a nice place to take a break before you begin the rest of the walk up the mountain with a great view of the city, ocean, and airstrip (plus there was a well-placed flag of Gibraltar to take pictures with a view and the flag).

  1. WW2 and The Great Siege Tunnels

First, you can stop at the WW2 tunnels where they have you put on a helmet and enter a large complex of tunnels. These are quite nice to explore, especially with all the different plaques and mannequins explainning/demonstrating life in the tunnels.

Next you can head to The Great Siege Tunnels. On the way here, you can also stop at the "City Under Siege Exhibition", which I found quite interesting (not because of the history, but because of the goofy animatronics). Once you make it to the tunnels, they have some more interesting history and a couple of jump-scares.

It is also a nice place to prepare for the next part of your hike which will take about an hour.

  1. Charles V Wall

This is the place to see the monkeys - if that's what you're after. After about an hour of walking, you'll get to this staircase from Old Queen's Road up to the Cable Car road. It is relatively steep - however, there are monkeys all over the place, and the view from the staircase is quite stunning.

  1. Skywalk Gibraltar

This is not really a highlight, however, it is on the way to St. Michael's Cave, and you already paid for the entrance ticket, so why not. Plus you get a nice view of other side of the mountain, since during the hike you are always looking out across the same view.

  1. St. Michael's Cave

This is the colorful cave that you see on all the pictures. On a summer day this is a great place to go, mainly due to the coolness of the cave air. In terms of the cave itself, I think it is a nice place to take pictures and to cool-off from your hike, however, I was not too impressed, as I had thought the colors were natural, but they're just projections onto the rocks. However, overall, it is worth a visit, and can be a nice place - especially if you temper your expectations a little.

  1. Cable Car Station

Here, they have a nice restaurant (read - expensive), but if you're willing to spend a little, they have decent food and a great view. After your hearty meal (or not, depending on the budget), you can take the cable car back down the mountain.

You could also choose to hike back down, but in my opinion, for a day trip you might as well save your energy to explore a little more of the city rather than do the same hike back.

  1. Europa Point

This is the southernmost point of Gibraltar, where you get some nice ocean views, I didn't manage to make it there due to time constraints, but apparently it's worth a visit.


In addition, I would spend some time wandering around the city to experience more of the odd combination of British architecture and accents in the south of Spain. Overall, I quite liked Gibraltar, but more for the nature than the history or city itself.

Enjoy your trip!

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