Vacations are fun. And who doesn’t like to look at exotic beaches, all inclusives, or the latest travel hotspot. Not to mention trying to one –up your Facebook friends. Often, we focus on the now and not the future. In the end, we are only hurting ourselves by not taking care of ourselves. I’m not saying you shouldn’t have fun planning your vacation. Go for it. But plan it. Save up for it. Avoid using your credit card. Make a detailed budget of the actual cost of your trip. Include: flights, hotels, car rentals, meals, tours and miscellaneous spending. Once you know the cost, start saving. Now if you are in debt (other than your mortgage) think twice about going on vacation. List your priorities, personal and financial. Review your financial goals. Where does this vacation rank amongst them? The last thing you want is to get back from vacation and have more debt waiting for you. I want you to know that you can have your cake and eat it too. Just make sure you can afford the cake. Let me show you how. Reach out, I will show you how to pay off debt and go on the vacation you are dreaming about.