Prioritize what is important to you. Are memories more important than sitting on the couch watching TV? Get some exercise while you vacation. Go on a vacation that fancies your passion whether it is photography, food, history, etc.
Planning is important not only on where you want to go, but how you will pay for the trip.
Here are some ways to cut your budget and save for a vacation.
1. Join a cheaper gym
2. Check your health insurance to see if you go to your gym 12 times a month, they will reimburse you $20 per month.
3. Cut your cable channels back. We sit in front of the TV too much anyway.
4. Make your own coffee instead of buying it at the local coffee shop.
5. Buy fewer clothes. Most of us have too much stuff anyway
6. Eat at home more often.
7. If you are over 55, take the Senior Driving Class and your insurance bill goes down.
8. If you have teenagers, make sure they keep their grades up, (insurance goes down when grades are up)
9. Shop for good house and car insurance that may be less expensive than what you have now.
10. Make payments over the phone or on-line. It saves on stamps and checks.
11. Buy a used car instead of a new one. Also buy one that has good gas mileage.
12. Sell stuff on Craig’s List that you don’t use.
13. Cut coupons. There are lots of deals online for groceries, tickets, and restaurants.
14. Go to a $2.00 movie theater instead of the $10.00 theater.
15. Combine trips such as grocery shopping, banking, and buying gas.
16. Check your cell phone plan. Will you get good phone service on another plan that is less expensive? Do you need the number of minutes your plan provides? Do you need a land line and a cell phone? Plans are becoming more flexible with fewer contracts.
17. Are you paying too much interest on credit cards? Call your credit card company and see if they will lower your rate. Also pay off as much on your credit cards as possible.