I live in rural Costa Rica and spend $1,000 a month on travel. Here's exactly where my money goes in a typical week.

My weekly spending fluctuates a lot depending on whether I'm traveling or at home and whether I'm making big purchases like flights and hotels or not.

I can spend anywhere from $200 to $1,000 in a week. This week was on the lower end of what I spend each week — I totaled just $389 — because I stayed with family during my travels and used credit card points instead of cash for my travel purchases.

We all gathered at a friend's house for coffee and baked goods in the morning. I brought some homemade papaya empanadas I'd bought from my neighbor a few days earlier. It was extremely hot that day, so we decided to go to the river for a swim, which I can walk to from my house.

After spending some time cooling off at the river, we walked to a little family-owned restaurant in the center of town for snacks and drinks. I got enyucados, which are little fried yucca balls stuffed with cheese and herbs, and a couple of beers. Beers are around $2.50 each and the plate of enyucados, an appetizer, was $4, so I spent $9 total. In the evening I watched a movie at home with my boyfriend and we ate at home.

I was flying to the US to visit friends and family on Thursday, so in the evening, I got online and reserved a shuttle to the airport for that upcoming flight. I paid in advance, which costs $57 (one-way) because I live three hours from the airport. I could take the public bus there for just around $10, which I sometimes do, but the trip involves one transfer and takes more like five or six hours. My flight to the US left at 1 p.m., so the 7 a.m. shuttle would get me to the airport just in time, whereas taking the bus would mean leaving the day before and staying the night near the airport.

On Sunday, the town where I live on Lake Arenal held a big lake clean-up. We brought a cooler with snacks and drinks from home and set up our hammocks and blankets near the lake.

The town, and Costa Rica in general, takes keeping the environment clean very seriously, and everyone was out celebrating at the lake with cookouts and music while taking turns cleaning up the shore. We walked around the lake several times but didn't even manage to fill up our trash bag halfway because there just wasn't much trash to pick up.

After that, we went to another family-owned restaurant in town for lunch. I got a casado, which is the most typical Costa Rican dish. It's a big plate of food with seven things on it. You'll always get rice, beans, and a meat of your choice (usually chicken, beef, pork, or fish, and I chose fish), and then it will usually come with plantains, cheese, salad, and sauteed vegetables. I also had a cup of coffee after my lunch, and the total cost was $8.

In the late afternoon, we went home to get our kitten and bring her down to the lake for the sunset because we're trying to get her used to being outside and in a new place. Eventually, we would like to travel with her. We hiked out to a peninsula where you can get a really good view, and she stayed in her basket while we walked. She was nervous at first, but once we set her down in the grass she started to play and enjoy it. The sunset over the lake was perfect that day thanks to the clear skies.

We stopped at the little supermarket on the way home for a few items for the house (toilet paper, coffee, cleaning solution) and spent $12. Then, once at home, I finished designing my business cards and put in an order to have a box of 100 business cards shipped to where I planned to stay in the US, which cost $55.

On Monday, I worked in my home office all morning and afternoon. I work with a virtual assistant when I need extra help, and I paid her $60 on Monday for two hours of website work that I couldn't find the time to do myself.

I was pretty busy on Monday with work so instead of cooking at home, my boyfriend and I decided to go to one of the family-owned restaurants we can walk to for dinner. I ordered tortilla soup and a beer, which came out to $8. When we got home, I had a little time before bed to work on my watercolor painting, a hobby I've been working on for a few months.

Since I'm self-employed, I have the ability to make my own schedule as long as I deliver work on time. I knew I'd be busy traveling to the US on Thursday and spending time with family on Friday, so I worked long hours on Tuesday so I could get ahead on my assignments. I worked from 8 a.m. to 9 p.m., taking occasional breaks to eat.

I didn't spend any money on Tuesday because I didn't leave the house all day. While working from home can be isolating if I don't force myself to take breaks and leave the house regularly, it's also great for saving money.

Plus, I live in a rural area, so I don't have access to food delivery services that put a premium on convenience or fast food. When I'm short on time and can't leave the house, the only option I have is to cook at home. This has forced me to come up with creative ways to save time on cooking three meals per day while also saving money. Meal planning and freezing meals in batches have been a huge help with that.

I took Wednesday to work a little later than usual too in preparation for my upcoming travel, finishing around 7 p.m. Throughout the day I didn't spend any money and ate at home, but I just wasn't up for cooking around dinner time and decided to stop my work and go out to eat.

Where I live, there are a couple of nicer restaurants in hotels that we eat at a couple of times each month, but most of the restaurants are small, family-owned spots that serve typical Costa Rican food and are very affordable. These restaurants tend to offer slightly lower prices for people who are from the town, and many business owners have started treating me as a local. While a glass of wine would normally cost $6, our favorite spot only charges me $3, so I was able to get dinner and a glass of wine for $10.

Most businesses I'm used to shopping at online in the US won't ship to Costa Rica, and even if they did, I live in such a rural area of Costa Rica that there are extra difficulties involved in receiving packages.

However, every time I have a trip to the US coming up, I inevitably end up on Amazon ordering things I can't get where I live. I spent $90 on Wednesday on an Amazon order that I had shipped to the hotel I planned to stay at in the US for things like my favorite brand of tights, new high-end watercolor paints, and a harness for our new kitten.

Most people's spending spikes on travel days but mine usually stays pretty low because of all the free stuff I get with my premium travel credit cards (I have both the Chase Sapphire Reserve and the Amex Platinum).

I left my house on a shuttle to the airport at 7 a.m. We stopped halfway through the three-hour drive at a small diner, and I bought some breakfast tamales and a cup of coffee for $2 total. I also popped in a souvenir shop to buy artisanal Costa Rican chocolate bars and empanadas to give as gifts to the family and friends who were going to host me in the US, which rang up at $15.

Apart from breakfast, I ate almost entirely for free for the rest of the day. When I got to the airport in San Jose, Costa Rica, for my 1 p.m. flight, I went to the new American Express lounge, which I can access because I hold the Amex Platinum card. They have a pretty good spread of hot and cold food as well as free beer and wine in that lounge, so I filled up on that for lunch.

As luck would have it, my flight was delayed, and I ended up missing my connection in Ft. Lauderdale, Florida. Southwest rebooked me on a flight the following morning and gave me a hotel voucher. By the time I got to my hotel, it was pretty late, and I was starving.

I didn't feel like walking to a restaurant, so I ordered Chinese takeout on Uber Eats. I used my Amex Platinum for that as well, which gives a $15.00 monthly Uber credit that can be used on Uber Eats. My biggest complaint about that credit is it can only be used within the US, but I was pleasantly surprised to realize I could use my $15 August Uber credit that evening on the dinner I'd ordered, so I only had to pay $3 for the food I had delivered.

While I was in my hotel that evening, I also booked my flight back to Costa Rica. I'd only booked a one-way to the US because after visiting family in Nashville, I planned to travel to Washington DC for FinCon and then take the train to New York to visit a friend. I now needed a flight back to Costa Rica from New York.

One-way flights from New York to Costa Rica during my dates had been pretty affordable (under $100), so I hadn't worried about booking. Unfortunately, when I checked that night, prices had gone up to more like $200. I decided that was more than I felt like paying, so I used my Chase Ultimate Rewards points to book a flight with Delta through the Ultimate Rewards portal.

Because I have the Chase Sapphire Reserve card, I get 1.5 cents per point, so I used just over 15,000 points for a $230 flight. This isn't the best value you can get from Ultimate Rewards points, but it's still a good value. Plus, I'd already gone over budget on travel that month, so it was worth it for me to use points.

When I travel, accommodations tend to be what I spend the least amount of money on. This is just personal preference, but I'd rather spend my money on activities, food, or more trips. So, I tend to either stay in budget accommodations like shared Airbnbs or with family and friends.

In Nashville, I was staying with my aunts and cousin, so I didn't have to pay for accommodation. This also gives me the option of eating in, so I'm not bleeding money on eating out three times per day. I make sure to always bring a little gift with me (in this case, it was Costa Rican chocolate and snacks) to thank friends and family for their generosity.

I woke up at 3 a.m. in Ft. Lauderdale to make it to the 5:30 a.m. flight Southwest had rebooked me on. I had to pay $10 for a taxi to the airport because the complimentary airport shuttles from the hotel don't start running until 5 a.m. Once I got through security, I spent a whopping $20 at Starbucks on coffee, breakfast, and some snacks for later. Weirdly, there are no lounge options for Priority Pass members in the Nashville airport.

Once I got into Nashville, I went to my family's favorite coffee shop and spent $7 on an iced cardamom latte and a lemon bar. Then we drove out to Kentucky Downs so I could experience the horse races.

At the horse races, I spent $16 on two whiskey and Cokes, $7 on a burger, and $20 betting on the races. During the final race, I managed to bet on the winning horse and won $57. So although I spent $43 on that activity, my winnings meant that not only was it effectively free, but I made $14.

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