If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.

×

ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started

Wait!

You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.

Yes

Budgeting and Saving for a Vacation

It is completely normal and logical to hear the word vacation and equate it with fun and relaxation. But if you’ve been sticking to a strict budget, you might hear the word vacation and immediately think things like it will be expensive, or it will break my budget and the bank, or the cost of this trip will stress me out. However, this doesn’t have to be the case.

Our credit counseling advice is to create a vacation fund ahead of time.

Our credit counseling advice is to create a vacation fund ahead of time.

Last month, Darcy gave some great tips for saving on summer trips by using sites like Kayak.com and Living Social, planning far in advance, and scoping out the best deals.

Whether you plan to travel the world, take a weekend trip, or even take a staycation, it is necessary that you budget for all costs beforehand. Once you have created a budget, you will have a clearer sense of the amount of money you will need to save and will be able to create a savings plan.

First, start by using ACCC’s travel budgeting calculator to determine how much you will need to save for a vacation by budgeting how much you will spend in specific categories such as transportation, hotel costs, meals, and activities. This handy calculator even includes lines for expenses such as travel insurance, passports and travel documents, pet or child care while you are away, currency exchange and bank fees, and luggage fees. Many times, these costs go unconsidered when planning for a trip. Don’t forget that even the smallest costs can add up!

Now that you’ve budgeted for your trip and have an accurate picture of how much money you will need for your vacation, it is time to determine a savings plan. Consider how much you currently have saved, any extra income, how much you deposit on a regular basis, and how often you contribute to your savings. Take the time to determine how long it will take you save for your vacation and how much you will need to save on weekly or monthly basis to reach your goal.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 

ABOUT AUTHOR / Madison

Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

View all author posts →

creditU

Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/budgeting-and-saving-for-a-vacation
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=budgeting-and-saving-for-a-vacation
Loaded Template: single.php