Overcoming Financial Stress With The Saver And The Spender

We have all had a vacation when you come back and you wish you had another vacation because you are so exhausted.  Or the kind where you are immediately stressed once you get back because now you have to figure out how you are going to pay for the supposed relaxing vacation you just took.     Vacations should be relaxing and enjoyable.  The best way to do that financially is to budget all year long for your vacations and travel and pay with cash.  After you get back, it is so rewarding and you feel so accomplished knowing that you don't have to worry about coming up with the money as fast as possible to pay off your credit cards.   Here is the step by step simple way to budget for all your vacation and travel.  (Side note: it doesn't have to be perfect)  Make a list of all the vacation and travel you are planning in the next 12 months.  List all associated costs (flight, accommodations, excursions, food/ drinks budget, etc) Total up your costs to one grand total and divide by 12.  This is how much you are