Europe By Camper - Travelling Europe By Motorhome: Money

Halifax Clarity vs Caxton - We Saved Over £200

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We got an annual statement through the post from Halifax the other day which detailed our expenditure, interest charges and reward payments over the course of the year and I thought it would be interesting to see how much we had saved compared to the most popular method of spending abroad, the Caxton Pre-Paid Card.<br />
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After going through the figures, we reckon that...</div>
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<b><span style="font-size: large;">We saved in the region of £221 by using the Halifax Clarity Card over the Caxton Card!</span><o:p></o:p></b></div>
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More on exactly how we came to that figure in a moment. Firstly, lets understand the main differences between the two cards. It's worth noted that we have all the cards mentioned in the article (Halifax Clarity, Caxton Euro, Caxton Global) so we understand and have used them. We've not included others which may be on the market, but there are others. Best check over on Martin Lewis's website (link at the end).<o:p></o:p></div>
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<b><span style="font-size: large;">The Caxton Card</span><o:p></o:p></b></div>
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Caxton is a pre-paid card and as such you need to load money on the card by phone, internet or text message using a bank account linked to the card. Depending on where in Europe you are travelling you are likely to have both a Caxton Europe and a Caxton Global card (or at least you should, since the Europe card is even more expensive outside of the Euro Zone!)</div>
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<b>Caxton Euro</b></div>
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With the Caxton Euro Card the balance is held on the account in Euros and you load onto the card from sterling at a pre-agreed rate with Caxton, which is usually around 2% lower then the prevailing rate on the day. The card is designed for Euro travel but if you were to travel outside of the Euro zone you would pay a 2% fee to covert £ Sterling into €uro and <b>then a further</b> 2.75% to convert your Euro into Danish Krone, for example, making it very expensive to be used in this way.</div>
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<b>Caxton Global Traveller </b></div>
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If you were to go outside of the Euro Zone then Caxton recommend the Global Traveller card whereby the balance is held in £ Sterling. This is then translated into Euros at the point of purchase at the prevailing rate plus 2.75% fee. However you end up having to manage two different account balances. </div>
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<b>Pros:<o:p></o:p></b></div>
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<ul style="text-align: left;">
<li>No credit check required to obtain.</li>
<li>If you're likely to run away with your spending, it prevents you from spending any more than balance you have loaded on the card.</li>
<li>You can load at a pre-agreed rate so you know exactly what conversion rate you are getting. You might be able to load before the rate drops and be able to effectively spend at the old rate.</li>
</ul>
<b>Cons:</b><br />
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<ul style="text-align: left;">
<li>If the conversion rate improves in your favour, you won't benefit until you re-load currency.</li>
<li>If you use your Caxton Card in the UK it will cost you up to £1.50 per transaction. </li>
<li>If you use an Automated fuel pump your account may be pre-authorised for upto €150 which will be held until the actual amount is processed reducing your available funds. Could be 3-5 working days.</li>
<li>Minimum load amount of £100/€150/$200</li>
<li>No protection under the Consumer Credit Act (CCA), since Caxton is not "lending" you money.</li>
<li>Due to the nature of pre-paid cards if Caxton was to go bankrupt you could not reclaim your outstanding credit balance from anywhere. </li>
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<span style="font-size: large;"><b>The Halifax Clarity Card</b></span></div>
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The Halifax Clarity Card is a traditional credit card geared up to spending abroad. They give you the actual prevailing interest rate on the day (verified by us) and transactions are free. You do pay interest on cash withdrawals but this is likely to be very tiny and is offset by a £5 reward payment if you spend over £300 in a month.</div>
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<b>Pros:</b></div>
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<li>Halifax give you the <b>ACTUAL</b> exchange rate on the day, not a loaded rate to take into account a transaction fee. They make their money hoping you will overspend on holiday and have to repay it over several months when you get home. We tested this by always recording our daily purchases on our log using the days rate, they were always the same OR BETTER than we recorded using XE.com's rates!</li>
<li>You pay <b>NO INTEREST</b> on <u>purchases</u> using the card if you setup a direct debt to clear the balance in full every month. Simply use the card rather than cash wherever it is accepted. </li>
<li>You have 2 weeks from your statement being available to view online to the direct debit coming out, so plenty of time to check and review all your transactions.</li>
<li>You get upto 59 days interest free from the first day of your statement until the due dates (assuming you clear the balance in full).  </li>
<li>If you spend over £300/month and are a current account holder you will receive a <b>£5 reward credit</b> payment onto your account each month (tax free).</li>
<li>You are fully protected and insured under the Consumer Credit Agreement </li>
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 <b>Cons:</b><br />
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<li>You pay interest (12.9% - 19.9% depending rate given when you apply) on cash withdrawals, but there is no other fee. We withdrew £3,584.19 in cash and was charged a total of £64.82. However when you take into account the £60 reward payment this is only £4.82 and you could end up in credit depending on the amount of cash withdrawn and your interest rate.</li>
<li>You will need a credit check in order to apply for a card and the actual rate offered will depend on your credit history. </li>
<li>You get the best daily rate, with no opportunity to "load up" while the rate is good.</li>
</ul>
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<span style="font-size: large;"><b>Detailed Comparison</b></span></div>
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The below details our actual expenditure using the Halifax Clarity card and compares what the equivalent costs would had been using the Caxton card for the same amounts and the difference in conversion rate. </div>
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<ul style="text-align: left;">
<li><span style="font-size: x-small;"><b>Halifax</b> - Our own logs of our expenditure, the days prevailing rate (checked on xe.com) resulted in a near identical if not in our favour exchange rate for currency.</span></li>
<li><span style="font-size: x-small;"><b>Caxton 2%</b> - Rate checked today (3rd June) vs prevailing rate and found to be 2p in the £ below.</span></li>
<li><span style="font-size: x-small;"><b>Caxton 2.75%</b> - Taken from <a href="http://www.caxtonfxcard.com/feesncharges.asp">http://www.caxtonfxcard.com/feesncharges.asp</a></span></li>
<li><span style="font-size: x-small;">This table doesn't consider any benefit that could be had by pre-loading while the rate is good, but this is as much about luck as it is timing and we just wanted to enjoy our trip without rate watching!</span></li>
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<b><span style="font-size: large;">Summary</span></b><br />
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It's important to note that not everyone spends in the region of £10,000 in Europe every year and therefore for lower amounts you have to decide for yourself if it's worth signing up for the Halifax Clarity if you are already a Caxton customer. However aside from the financial savings the increased insurances you get with a credit card and the interest free period if you was to pay using direct debit are worth considering.</div>
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In addition it's good practice to add an additional card holder for both Caxton and Halifax just in case a card gets misplaced or damage. It's free and simple to do for both. If you are already a Halifax card holder you having nothing to lose by keeping a Caxton Card stashed away for emergencies, as we do.</div>
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<b>Links</b></div>
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<a href="http://www.europebycamper.com/2012/03/touring-europe-for-year-what-does-it.html" target="_blank">12 Months in Europe - What did it cost?</a></div>
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<a href="http://www.moneysavingexpert.com/travel/cheap-travel-money" target="_blank">Martin Lewis</a> - Travel Money</div>
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<a href="http://www.halifax.co.uk/creditcards/low-rate-no-fee/clarity-card/" target="_blank">Halifax Clarity</a></div>
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<a href="http://www.caxtonfx.com/" target="_blank">Caxton</a></div>
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Halifax Clarity vs Caxton - We Saved Over £200

We got an annual statement through the post from Halifax the other day which detailed our expenditure, interest charges and reward payments...

Touring Europe for a Year - What does it cost?

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<tr><td class="tr-caption" style="text-align: center;">Just some of the receipts we<br />
accumulated!</td></tr>
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One of the most popular questions about travelling Europe we get asked is how much does it cost. We've decided that in the interest in helping others we'll publish our detailed trip statistics to show you how we did. We did this trip on what we perceived to be a tight budget - perhaps if you are retired then you'll want to do more or if you have more time you will want to do less miles, but with hindsight there is very little we would have changed about our trip. <a href="http://www.quicken.com/" target="_blank">Money management</a> was crucial. Because of our budget constraints we carefully monitored and recorded all of our expenditure to ensure that we weren't over budget.<br />
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<b>First, some statistics from our trip!</b><br />
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We travelled <b>23,044 miles</b> over a period of <b>334 days</b> from 7<sup>th</sup> April 2011 until 6<sup>th</sup> March 2012. We passed through <b>21 countries </b>(stopping in <b>18</b>) consuming <b>3,805</b> <b>litres of Diesel</b> from <b>62 fuel stations </b>and <b>280 litres of LPG Gas. </b>We paid <b>19 road tolls</b>, <b>14 ferries, 5 vignettes </b>and <b>4 tunnels.</b><br />
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We 'Wild Camped' for <b>219 nights (66%)</b>, stayed on Aires or other recognised motorhome parking areas for <b>45 nights (14%)</b> and stayed on camp sites for <b>70</b> <b>nights (21% </b>with 29 of those nights being in Morocco).<br />
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Food wise we visited <b>115</b> supermarkets or other food shops and ate out for usually for lunch but sometimes for tea <b>101 times</b>.<b><o:p></o:p></b></div>
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Our average miles per day were <b>78 miles </b>and our mode fuel consumption (taking into account number of miles travelled between the calculations and averaging that out) was <b>33.4MPG</b>.</div>
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<b>Adam</b> drove for <b>170</b> days (80% of the driving)<b> </b>while<b> Sophie</b> drove for <b>19 days</b> (10%) and we shared the driving on a further <b>20 days</b> (10%). There were <b>123 days</b> (36%) where we didn’t drive anywhere at all.<o:p></o:p></div>
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The maximum number of miles we drove in a day was <b>372</b> on the first day of our trip getting from Calais to Dummerlolhausen. The only other day where we exceeded 300 miles was Asiliah to Marrakesh in Morocco (365 miles). The minimum number of miles we did in a day was 2 miles (leaving one place and arriving to stay at another) from Aghios Konstantinon to Gytheio in Greece.<o:p></o:p><br />
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<tr><td class="tr-caption" style="text-align: center;">With views like this available for free why pay to stay on a camp site?</td></tr>
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<b>Totals</b></div>
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Ok, so enough beating about the bush! What was our grand total?<o:p></o:p></div>
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<b><span style="font-size: 18pt;">£9,570.19 or £28.83 per day<o:p></o:p></span></b><br />
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Or in other words, two people, a little over 11 months full board for £14.41 per person, per day. This is how we broke down and recorded our spending:</div>
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<b>Fuel (42%)</b>We always tried to fill up in the cheaper country.</div>
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<b>Food (26%):</b> Food bought from a supermarket / shop. Includes Wine / Beer but not eating out.<br />
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<o:p></o:p><b>LPG (2%):</b> Our gas for cooking, heating and running the fridge when not on sites.<br />
<o:p></o:p><b>Transport (11%):</b> Tolls, Vignettes, Ferry’s, Bridges, Public Transport & Parking when not overnighting.<br />
<o:p></o:p><b>EO&E (14%):</b> Eating (and drinking) Out and Entertainment / Entry fees.  Also includes personal items such as clothes, shoes, laundry etc.<br />
<o:p></o:p><b>Overnight (5%): </b>Cost of sites, aires or parking overnight where a cost applied.<span style="font-size: medium;"><o:p></o:p></span></div>
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<tr><td class="tr-caption" style="text-align: center;">Where the money went, 42% of our expenditure was on Diesel.</td></tr>
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<b>What is not included?</b> <o:p></o:p></div>
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Items which we viewed as being outside of our living costs which are: Vehicle Insurance (£500), Vehicle Road Tax (£195), Travel Insurance (£200), <a href="http://www.europebycamper.com/2011/06/guide-to-vodafone-data-traveller-data_01.html" target="_blank">Mobile Phone / 3G Internet (£180)</a>. We also didn’t include our ‘side trip’ to <a href="http://www.europebycamper.com/2011/06/st-petersburg-russia.html" target="_blank">St Petersburg</a> (£500) as we left the van in Helsinki and felt it would unfairly skew the results. <o:p></o:p><br />
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<b>Comparing Countries</b><br />
In the below table we have broken down our expenditure for all of the 18 countries that we stayed in. The biggest factor influencing costs was if we stayed on a camp site or not, which made expensive countries like Norway (where we only spent £2.78 a day on food over 4 weeks, but spent £0 on campsites) appear comparative to Latvia, where we opted to stay on camp sites because of a lack of wild camping opportunities. All of the figures below are laid bare for you to view and dissect and are of course only representative of what we chose to do on this trip and not necessarily of that country as a whole!<br />
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<b><i>So what's our strategy on keeping costs down? </i></b></div>
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<b><i><br />
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<b><i>Our next blog post, Europe on a Budget will be published shortly and a link will appear here!</i></b></div>
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Touring Europe for a Year - What does it cost?

Just some of the receipts we accumulated! One of the most popular questions about travelling Europe we get asked is how much does it ...

The Beginning ...

I'm writing this from the passenger seat on our way down to Dover! We set off at around 2.30 this afternoon and it is now 5.30 and we a...

Halifax Clarity vs Caxton - We Saved Over £200

Touring Europe for a Year - What does it cost?

The Beginning ...

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