We all need a vacation every now and then; working all year round without a break isn’t good for our mental, emotional or physical health. The problem is that vacations can be expensive things. Even budget breaks can still cost more than we’ve got in savings, assuming we have any savings at all. However, there are always ways to find extra money for that well-earned vacation if you think hard enough. Here are a few ideas to get you started on your saving campaign.
Set Up An Automatic Payment
If you set up an automatic payment from your bank account into a savings account, you can keep that money to one side and use it to fund your next vacation. Arrange it for the day your paycheck gets paid in, and you’ll hardly miss it. Start with a small amount and make it bigger each month – this will help you live within your means as well.
Eat Out Less
Eating out is a great thing to do, but it costs a lot more than eating at home does! If you eat out once a week, cut it down to once or twice a month instead, for example. The money that you would have spent in a restaurant can be put to one side and be used as vacation money instead. Doing this will not only save you a lot of money, but it will also keep you healthier as it’s easier to make healthy meals at home when you know exactly what goes into them.
Buy Second Hand
Sometimes it’s essential to buy new clothes or shoes, but that doesn’t mean they have to be brand new; they can new to you instead. Shopping for clothing and other items in a second-hand store is a fantastic way to save you a lot of money. If you take the time to look carefully, you’ll find a lot of excellent quality clothing that looks as though it has never even been worn (in some cases this is the truth).
Go To The Library
Your local library is a wonderful resource for free or almost free items. There are books, of course, and borrowing books from a library will save money if you would normally buy them instead. You can also rent movies and audiobooks from libraries as well as attend workshops and classes. You can even log onto library computers to surf the web, and all for next to nothing.
Use A Credit Union
If your savings are just not going to stretch to vacation then why not consider a state employees credit union? A credit union allows you to borrow money at a much lower rate than you would get from a bank or other lender because they run as a not for profit organization. This means you can borrow enough for your vacation without running into trouble when it comes time to pay it back. Continue to save, and you can pay your loan back even more quickly.