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How to Save for Your Vacation

When summer rolls around it is usually time to take that family vacation. It should be a relaxing, fun time for you and your family. One way to have more fun and reduce stress is to plan and budget for your trip.

The summer vacation season is the second-largest credit card spending season, after the holiday season. More credit card transactions are done in June, July, and August than all other months except December.

Here are some tips that can help you avoid returning to a huge pile of credit card debt:

• Create a vacation budget. Review your regular budget and figure out how much extra you have available for your vacation. Once you know the amount, stick to it.

• Discuss your plans with your family. Once you know how much you can spend, get your family together to decide on where you can go and what you can do.

• Research your options. Look at travel guides, use the internet, and get information from local visitors bureaus to find the best deals, discounts, and coupons that are available.

• Have a credit plan. Decide in advance how much you will put on your credit cards.

Plan now for next year. Now is the time to start setting money aside for next year’s vacation. You will be surprised how fast it adds up.

Credit cards can be a useful tool for vacation. They are safer than cash and may give you some type of reward or bonus for their use. But they can also make it easy to overspend. Limit your charges to budgeted expenses and make every attempt to pay your balances in full when you return.


If you need help getting started, feel free to give us a call (513) 868-9220 to schedule an appointment with one of our financial coaches. We are here to help in any way we can!