The Wandering Koi

1. Transportation

What this includes

– International flights (economy)

– Regional flights, trains, ferries

– Camper van rental Local transport (buses, fuel)

2. Lodging

What this includes

– Long-term rentals

– Dry cabins

– Camping fees

– Occasional hotels (mostly points)

3. Food

What this includes

– Groceries

– Simple meals out

– Coffee

– Occasional splurges

4. Experiences & Activities

What this includes

– Park fees

– Museums

– Guided activities

– Wildlife experiences

5. Insurance & Healthcare

What this includes

– Travel medical insurance

– Evacuation coverage

– Medications

– Routine care abroad

6. Education & Child-Related Costs

What this includes

– Curriculum

– Online programs

– Supplies

– Occasional tutoring

7. Communications & Tech

What this includes

– eSIMs / local SIMs

– Cloud storage

– VPN Phone plans

8. Personal & Daily Life

What this includes

– Clothing replacements

– Laundry

– Haircuts

– Toiletries

9. Home-Base Costs

What this includes

– Home maintenance

– Property management

– Insurance

– Taxes

10. Buffer / Contingency

What this includes

– Emergency flights

– Unexpected lodging

– Medical events

– ‘We didn’t plan this’ moments