Travel doesn’t have to break the bank, but there are a number of strategies you can use to reduce how much you spend even when travelling in a luxe-for-less style. Besides picking a great bargain holiday, top of our list of tips is to be flexible with your date of travel, and even your destinations. Loyalty schemes are also worthwhile, with many including Hilton HHonors and Marriott Rewards having eliminated blackout dates such as public holidays, and offer discounted rates and free nights. The same goes for frequent flyer programs, which not only offer you an option to use points or score upgrades, but in the case of Virgin Australia you can pay for a ticket using points+pay, and you’ll be the first to know when fares are on sale. If you can travel during the shoulder or low season you can also save money, but remember that this can mean having shorter daylight if you’re travelling in Europe in winter, or wet weather if you’re planning to hit Asia during rain season. Another saving is avoiding popular destinations, and choosing ones which are less well known, or staying at home and travelling locally. Packages can also offer big savings, especially cruises or hotel stays which also include flights and transfers. Booking some items at your destination can also offer savings, such as train fares, local flights, sightseeing, transfers and experiences; just make sure you read any fine print, and check the exchange rate before committing. Finally there’s cruising which includes travel, most food and accommodation in a single fare; all-inclusive ships such as Seabourn and Regent Seven Seas come up on sale periodically, and in some cases can include free flights, even in business class.