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Vacation Without the Credit Card Hangover

Planning a vacation shouldn’t end with a credit card hangover. We break down a clear, no‑drama way to choose the trip, price it honestly, and fund it with simple, short‑term savings so the only thing you bring home is good memories. From setting up a dedicated money market account to translating a total cost into monthly and per‑paycheck goals, we show how to turn “someday” travel into a funded plan you can enjoy without stress. We also unpack the tricky world of points and rewards. Yes, airline and hotel programs can cut costs, especially if you already fly one carrier or your employer lets you keep business‑travel points. But points aren’t a free pass. If a card nudges you to overspend or you carry a balance at high interest, the math breaks fast. You’ll hear practical rules for when points make sense, when cash is king, and how to avoid the trap of chasing perks that cost more than they save. Prices today are shaped by algorithms as much as calendars, so we share tactics to search smarter. Use Google Flights alerts, try private browsing on airline sites, compare across devices, and price the whole stay including taxes, cleaning fees, meals, and activities. We also draw firm lines for when to delay travel: high‑interest debt, no emergency fund, or job uncertainty. Most of all, we make space for joy. A fully funded trip can prevent burnout and remind you why you work so hard in the first place—because guilt‑free fun is part of a healthy financial life. If this guide helps you plan a better trip, share it with a friend, subscribe for more money‑smart episodes, and leave a review to help others find the show. Where will your next funded adventure take you? Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.