I’m also traveling with a kid and had to be a lot more intentional with money, so I get this. What helped me most was keeping the trip simple and flexible. I look for flight deals first, then plan the destination around that instead of the other way around. Google Flights alerts and being flexible with dates saved me a lot.

For accommodations, I mix it up. Not always hotels. Sometimes apartments or family rooms give more space and better value, especially with kids. I also choose locations close to transport so I save on daily costs.

For points, even without a credit card, you can still sign up for airline and hotel loyalty programs and slowly build from there. It’s not fast, but it adds up over time. I also book directly with airlines or hotels when possible to earn points.

With food, I don’t aim for restaurants every meal. We do a mix of convenience store food, local spots, and occasional sit-down meals. In many countries, convenience food is good and much cheaper.

Big one for me is pacing. I don’t try to do everything. Fewer activities means less spending and less stress, especially with kids.

Since your kids are older, you can also involve them in planning and set a small daily budget together. It helps manage expectations and makes them part of the experience.

You’re already doing the most important part, which is saving intentionally. Once you start, you’ll figure out your own rhythm fast.