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Tuesday Tip: Start Saving Now for A Summer Vacation

There might still be snow on the ground, but summer vacation planning doesn’t have to wait until spring. If you start financially planning for a summer getaway now, you’ll be able to afford a more magical trip without coming home with credit or debt problems.

Don't go into debt over a summer vacation - save ahead of time instead.

Don’t go into debt over a summer vacation – save ahead of time instead.

Add Summer Vacation Saving to Your Budget Now

It’s always nice to take a trip while the weather is nice and the kids are out of school. However, it’s not wise to pay for a getaway with credit. Doing so leaves you paying for your trip long after the fun has ended. Our credit counseling advice is to set aside summer vacation money ahead of time. This will allow you to travel without worrying about your financial health or adding to personal credit card debt.

The best way to save money for your summer travels is to add an item to your budget. This ensures that you are consistently putting money aside because you’ve accounted for it as an expense. To do this effectively, you’ll have to make room in your budget by cutting one or more other expenses.

Even if you just make your new vacation saving budget item small, like $20 a month, come July you’ll have $100. That might not cover a plane ticket, but it could help pay for an awesome camping trip.

If you can afford to do so, put aside $5 per day. That would put you at $500 on June 1st if you started today. That makes for a pretty awesome summer vacation without you drowning in debt when you get home!

You’re not alone if you’re struggling to pay off debt.  Schedule a free credit counseling session with ACCC today. 


Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

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