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Thread: Going on a vacation..

  1. #11
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    If this is important to you and you can pay it off in 6months? I would support. Otherwise, I would not. I would do what I could afford. I would spend the next 12months saving the money needed for this "dream" vacation and do it next year while enjoying a low cost family vacation this time.

  2. #12
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    After reading your comments, I now feel guilty of thinking about getting a personal loan from my CU. They've got the lowest rates in our area so I thought I'd give it a try but then I read all your comments...

    I mean, it's not like I'm borrowing money because of a medical emergency or some other reason that may be considered "valid". Now I realize that I didn't think about my decision a lot and it's a better idea to cut back on other expenses and spend a bit of our savings rather than going for a loan and paying 6% interest for 36 months.

    Thanks for being honest on this guys, it made me realize how hubris it was to think it was even a good idea! LoL.

  3. #13
    Senior Member Ultralight's Avatar
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    Quote Originally Posted by messengerhot View Post
    After reading your comments, I now feel guilty of thinking about getting a personal loan from my CU. They've got the lowest rates in our area so I thought I'd give it a try but then I read all your comments...

    I mean, it's not like I'm borrowing money because of a medical emergency or some other reason that may be considered "valid". Now I realize that I didn't think about my decision a lot and it's a better idea to cut back on other expenses and spend a bit of our savings rather than going for a loan and paying 6% interest for 36 months.

    Thanks for being honest on this guys, it made me realize how hubris it was to think it was even a good idea! LoL.
    This response is just so good for so many reasons.

  4. #14
    Senior Member
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    Quote Originally Posted by messengerhot View Post
    After reading your comments, I now feel guilty of thinking about getting a personal loan from my CU. They've got the lowest rates in our area so I thought I'd give it a try but then I read all your comments...

    I mean, it's not like I'm borrowing money because of a medical emergency or some other reason that may be considered "valid". Now I realize that I didn't think about my decision a lot and it's a better idea to cut back on other expenses and spend a bit of our savings rather than going for a loan and paying 6% interest for 36 months.

    Thanks for being honest on this guys, it made me realize how hubris it was to think it was even a good idea! LoL.
    Hope we got to you in time! Spend some man hours researching vacation options that fit within your budget without borrowing. We took our kids on a week-long camping/fishing trip to the same place once a year while they were growing and they have such fond memories of it. Cooked everything at the campsite, very little expense other than the gas to get there about 3 hours away, and the $18 a night campsite. Although there is some initial expense for tents etc. Obviously you have to have a team that is ok with roughing it a little. But there are also other options that are more expensive, if you look for a deal they are affordable. Such as an actual cabin; we are camping at an award winning state park in July, a little under $30 a night. Paying for the airfair with airline miles, we are renting a car but shopped around for a great deal on that; about $170 for the week.

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