Staycation vibes lol We are wanting to save for a new family vehicle so sacrificing a vacation is just the reality this year. Last year we did go outta town more often so it’s totally fine. Growing up, my parents couldn’t afford to take us every year. So we just did a family vacation every 2-4 years.

I didn't start traveling til I was 26 years old. One of my biggest regrets was not taking the time to do it sooner. Was too busy with recovery, 5 years of university, suing the people who killed my parents, moving, and building the business. You're only young once, so live a little.

@fonz-ys6xu

Жыл бұрын

I didn't start until 30. Believe me when I say, you have plenty of time! Now I'm 38 and have an 8 month old and new career. You will always have time to travel, if you make it a priority. It will probably look different. I'm not going to backpack Iceland with my 8 month old, but I've been visiting lots of trails and places within my state that I've never been to before. Eventually we will take our son to some amazing places outside of the US. As our income and savings grows as we age, those trips can get a little fancier too. Bottom line, you can still travel! :)

Been following Dave's show for a long time. We've been on baby steps 4-6 for a while, and cruise once every 18 months or so since getting to that point. Don't know if this is true about other kinds of vacations, but with cruising, you can book ridiculously early (over two years in advance in some cases), and can reprice your cruise down as many times as you want if you find a lower price, say via and email promotion or something. At least, you can with Royal Caribbean. So, we are scheduled to sail in June of 2023, which we booked in April of 2022. We've also repriced our reservation down 3 times since, saving just under $200. Out of curiosity (two days ago), I looked at what the price would be if we were to book the same trip at today's prices... Same stateroom, same amenities pre-paid & all that... over $2,000 more! Nice to get it booked under the inflation bubble!

We go to Panama City Beach nearly every year, sometimes twice a year. Some of the things I do is have definite needs for when I look for our condo. This way I know we're going to be comfortable and my grown kids have their own beds. I also make a meal plan and I bring a lot of our dry goods, with us along with toiletries and kitchen supplies. This way the only thing I have to go grocery shopping for when we get there is meat, dairy and vegetables. If I'm really ambitious I'll bring a cooler full of frozen meat so we don't have to shop for it. We also take a lunch so we can stop at a rest area to eat instead of going out for lunch.

Be careful with the Airbnbs. Unfortunately, a lot of them charge really expensive cleaning fees that when added to the cost of the price per night, actually equate to as much as a hotel per night or even more.

i didnt go on vacation in 2022! excited for a luxury beach getaway in March! that one year of saving is worth it and looking forward to it

Rachel Cruze is literally the prettiest girl in the wide world. Whether she is telling us how we can afford a vacation or sharing unique ways to save money I know I will always find value.

Unpopular opinion: use credit card responsibly and use the points/cash back to cover/offset some of the cost or pay for flights. Travel hack for lodging: rent a timeshare villa/condo from an owner through Redweek/TUGBBS/EBay. Stick to Marriott, Hyatt, Hilton, Wyndham. It’ll save you up to 50% renting from an owner than booking direct.

@Azel247

Жыл бұрын

It's actually a very popular opinion, just not in the Ramsey circle

@zoraster3749

Жыл бұрын

Yep, switched to venture X reward card instead of 2% cash back card. It “forces” me to travel and gives some pretty nice travel perks.

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@saviourmark3153

Жыл бұрын

Same here, My portfolio has been going down the drain while I try trading,l just don't know what I do wrong

@samanthareahel8687

Жыл бұрын

Trading with an expert is the best strategy for newbies and busy investors who have little or no time to monitor trade

@francesjean2499

Жыл бұрын

Wow I'm just shock you mentioned and recommended Expert Mrs Janet,I thought I'm the only trading with her

@LoriKatbryn

Жыл бұрын

I stumbled upon one of her clients testimonies and decided to try her out...I'm Expecting my third cashout in 2days

@RitaKathleen51

Жыл бұрын

I'm a huge fan of crypto, I hold few coins in my wallet, while I trade the rest with my Expert, Mrs Janet She's really Good

I realized I’m not fond of international travel but I love to travel to different states.

And where do you invest the money for this period of saving until the vacation pay date, so the money grows a bit while waiting to be used?

short term sacrifices are so worth debt free living!

Some of the best memories I have with the family were on vacation. And my parents didn't get out of debt till all of us kids were out of the house. If my parents listened to this, my childhood would have been lame lol

Let's see. A month in Ireland this May/June. Already went to a beach in Florida in Jan this year. Looking at an island trip before spring. Also planning a Europe River cruise mid summer. Then something for Fall, maybe Bar Harbor or some big Octoberfest somewhere. Busy, busy, busy.

@15KHPCLUB

Жыл бұрын

Nice! Travel the world! Always wanted to go to Ireland, I live in FL. But we went to Oktoberfest last year and it was wild! 🍻

1. Be a stowaway on a freight train

What if you need a car? How do you work this into everything?

@markg999

Жыл бұрын

I'd say a car trumps a vacation. Just take a cheaper vacation.

Huge savings is to use credit card points to travel, but I know Rachel can't say that

@tcgtpl

Жыл бұрын

That’s the biggest reason why to use credit cards responsibly & efficiently. It’s like, Congratulations, here’s your free vacation for being a financially responsible adult.

@15KHPCLUB

Жыл бұрын

Nope cause her narrative will be toast. I went skiing, snowboarding, and snowmobile riding in Maine with my family all with points (would've been almost $3k using a debit card) Also going to Daytona 500 next month and Mardi Gras all with points. That's thousands saved just using a different payment method and paying my balance in full every month.

@Guitarlvr01

Жыл бұрын

This I’ve done. When I was in the Military I followed Dave Ramsey to the T except all my groceries went on a southwest credit card. I never paid for a flight home on leave. I followed my budget, too. I don’t recommend that for anyone who has struggled with credit card debt though. I never have.

✝️🙏

We use our tax refund to fund ours!

We grew up 🏕️ every other weekend all summer, great family time together 🤗 fit da budget, early Sat am left home, return Sun evening 👍🏽

Just use my tax return to pay for most of my vacation maybe add a little more...very easy.

Take the vacation. You aren’t young forever. The memories will last a lifetime. Can work on debt and still save for a vacation.

@raising__her5545

Жыл бұрын

Same. Doing it. My thoughts exactly. You can do both!

@Guitarlvr01

Жыл бұрын

A vacation is only truly enjoyable when your debt is gone. My husband and I were debt free for years, we went back into debt when we had a surprise pregnancy and I had health issues. We went on vacation during that time and it was honestly miserable for me. There is nothing like a truly debt free vacation.

@Jen-qd4qc

Жыл бұрын

@@raising__her5545 this is why I love following the budget mom. You can pay or debt and live your life. You don’t have to sacrifice having fun.

@Jen-qd4qc

Жыл бұрын

@@Guitarlvr01 sorry that you couldn’t have a good time. You only live once. You can’t dwell on debt. You never know when your last day will be. Learn to enjoy life and stress less.

@Guitarlvr01

Жыл бұрын

@@Jen-qd4qc I’m not in debt anymore. I am a responsible adult so sitting there thinking about how that money could’ve gone toward our debt ruined it for me. I guess if you have a child’s mentality it wouldn’t bother you.

My uncle and his family skipped my sister's wedding to go on vacation. They were on very good terms with her and we went to all their events. The reason: it was their traditional vacation week even though the wedding date was set almost a year in advance. My sister still remembers that 36 years later but that vacation was probloby long forgotten. People and their vacations. 🤦

@MsSimpleMovies

Жыл бұрын

Did they live in a different state or country? Is it that they couldn't make both, and this vacation was the only thing keeping them going through a really miserable existence? I'm first generation American, so "vacation" to us meant leaving the country to see relatives, which only happened every few years. My father worked several jobs and my mother clipped coupons. I don't understand the vacation obsession, either. I like being home and just doing day trips somewhere. I'd honestly rather just give the money to my friend who needs it for her children because she's a widow in a very poor country.

@stevenporter863

Жыл бұрын

@@MsSimpleMovies They lived about an hour away and vacation spot was about an hour in the other direction (two hours total out of their way). They just had a very unhealthy obsession with vacation. American but don't get it at all.🤷

@MsSimpleMovies

Жыл бұрын

@@stevenporter863 That's just weird. My goodness. I'm very sorry for your sister and your family. Especially since you all sound like you were supportive of them. I usually give people a pass by explaining it with autism. I know a lot of generous people with autism who just don't understand how their actions can be hurtful to someone.

@stevenporter863

Жыл бұрын

@@MsSimpleMovies Good way to look at it. It isn't a sore point - kind of a running joke for years now.

@markg999

Жыл бұрын

Ridiculous...couldn't take a vacation the following week ha