Vacation Hangover

No, not the kind of a hangover that comes from a few too many margaritas, though those hangovers are not much fun either.  This kind of hangover comes from utilizing debt to pay for a vacation.  Debt robs the joy from a vacation because you know in the back of your mind that each purchase is just adding to the stress of an increased credit card payment when you get home.  This leads to anxiety when making purchases at restaurants, activities, etc. when on the vacation.  I know the feeling; I have been there.  There is a better way. 

A budget creates a plan for your money, and YOU get to dictate what that plan is.  A budget is not necessarily restricting, it gives you permission to spend.  You can consistently save each month for your vacations and have them paid for upfront.  Now that is financial freedom. Utilize everydollar.com for the best free budgeting tool.

Creating an individualized budget for a specific vacation allows you to make purchases without any guilt or anxiety.  The money has already been allocated and is meant for that purchase.  Enjoy that extra drink at dinner knowing that it has already been paid for.  Just do not have too many or you will be dealing with the other type of hangover. 

Stay safe and stay well.