Lou Scatigna

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The Financial Physician: How to Cure Your Money Problems and Boost Your Financial Health

Tips:

Start shopping around for air fares, hotels and attraction tickets now. This will give you the time to search for specials and bargains. Another reason to start now is because you can spread out your ticket purchases over 12 weeks. This will help you use more cash and less credit.

Create a range of vacations from "dream vacation" to "it's better than sitting at home," and then examine the differences in cost between the two. You might find an affordable and surprisingly luxurious middle ground.

Honestly evaluate your current financial situation and determine how much you can spend without going into significant debt.

Decide the maximum amount of spending that will be done on credit cards.

Don't bring up a vacation plan with the kids until you're sure it's within reach.

Do you have a few "what the heck am I going to do with THIS?" gifts leftover from the holiday season? Consider selling them and use the proceeds for vacation expenses. Selling old gifts on ebay could be the best way to help fund a Summer solstice.

Start a Summer club bank account so that even if you can't afford a vacation this year, you'll be guaranteed one for next year.