for the love of mickey and all things disney, would you ever???

[Beee]

is to save for our trip over the next 7 months and we will all going well have 99.9% of the trip paid but as this is our first real family overseas holiday I’m a bit worried that I will have underestimated on some things, forgotten to budget for something or that we’ll be so dependent on what the dollar is doing and our luck will be that it’ll bottom out the day before we fly or something. So we’re getting a CC for back up, it’s a hugely exciting trip for us and I don’t want to be constantly watching the pennies while we’re away. I don’t mind doing that all year, making the budget stretch to save as much as possible but I don’t want to have to say no to stuff on holiday. So if it comes to it and we have a few thousand dollars on the CC when we get home then so be it, we’ll just knuckle down and budget again for a couple of months to pay it off. I would not however put the bulk of the trip on credit though, I know people who do this and I think it must be quite depressing to still be paying for a holiday a year or more afterwards. But then I guess it really depends on your own personal feelings about debt, we don’t have any apart from the mortgage, and we don’t even have a credit card currently just one of those debit cards that act like a CC but use your own money so I am not so keen on debt because it took us a looooong time to pay off debt racked up when we were young and clueless.

 

[alicia1506]

is to save for our trip over the next 7 months and we will all going well have 99.9% of the trip paid but as this is our first real family overseas holiday I’m a bit worried that I will have underestimated on some things, forgotten to budget for something or that we’ll be so dependent on what the dollar is doing and our luck will be that it’ll bottom out the day before we fly or something. So we’re getting a CC for back up, it’s a hugely exciting trip for us and I don’t want to be constantly watching the pennies while we’re away. I don’t mind doing that all year, making the budget stretch to save as much as possible but I don’t want to have to say no to stuff on holiday. So if it comes to it and we have a few thousand dollars on the CC when we get home then so be it, we’ll just knuckle down and budget again for a couple of months to pay it off. I would not however put the bulk of the trip on credit though, I know people who do this and I think it must be quite depressing to still be paying for a holiday a year or more afterwards. But then I guess it really depends on your own personal feelings about debt, we don’t have any apart from the mortgage, and we don’t even have a credit card currently just one of those debit cards that act like a CC but use your own money so I am not so keen on debt because it took us a looooong time to pay off debt racked up when we were young and clueless.

this seems like a great idea... and is kinda what we were thinking of as well. we only have savings and debit cards (debit mastercard we can use online/overseas if we need to). we also have the 28 degrees mastercard (with a $0 balance) which gives no foreign transaction fees, no overseas processing fees etc, which is quite good. i was hoping to take this a genuine back up only, but depending how we go, we might end up using some of this to pay for some expenses whilst on the trip. we much prefer to deal in cash as that way we're not getting into debt etc. and the idea of putting the whole trip on a loan or credit card is just scary -- for me at least. others i know have... and that's entirely at their discretion -- but i'm happy with where we are right now and with my health only improving from here, fingers crossed we should be able to have a really, really nice trip

 

[WAMUMOF4]

Well today we applied and were approved for a credit card I thought i should fess up on here since i had said earlier i didn't think it was a good idea with DH's ex employer telling us they were not sending out the group certificates till the 14th July we decided our spending money was just on to fine of an edge without our tax money and FTB reconciliation coming through whilst we are away, still hoping it will be done before we leave but couldn't count on it.
We got a AMEX card with QFF and it has a 0% interest on anything you spend for the first 6 months. I am trying not to beat myself up over the fact that i failed to save enough for us to have a slush fund on our trip the unplanned for occurrences of this year have forced our hand The good news is the tax return will cover it as soon as it is through

 

[australiankaren]

Well today we applied and were approved for a credit card I thought i should fess up on here since i had said earlier i didn't think it was a good idea with DH's ex employer telling us they were not sending out the group certificates till the 14th July we decided our spending money was just on to fine of an edge without our tax money and FTB reconciliation coming through whilst we are away, still hoping it will be done before we leave but couldn't count on it.
We got a AMEX card with QFF and it has a 0% interest on anything you spend for the first 6 months. I am trying not to beat myself up over the fact that i failed to save enough for us to have a slush fund on our trip the unplanned for occurrences of this year have forced our hand The good news is the tax return will cover it as soon as it is through

I'm counting down the days till DH's bonus comes in..has been spent twice already

tax time..gotta love it....

 

[alicia1506]

Seriously do not beat yourself up over it ... At least you will have your tax return to come home to .. I have budgeted our expenses pretty tightly and if our tax returns arent as good as i have calculated/prayed for then we are up a proverbial creek .. This trip is costing approx $10k more than our last and the extra $$$are killing us ... I am already working approx 10 hours overtime at work each week to try and make some extra cash ... We all do what we can to make our trip dreams come true ...

 

[WAMUMOF4]

I'm counting down the days till DH's bonus comes in..has been spent twice already

tax time..gotta love it....

if only the would all learn to pay us on our Disney holiday time Do they not know the stress they cause us

Seriously do not beat yourself up over it ... At least you will have your tax return to come home to .. I have budgeted our expenses pretty tightly and if our tax returns arent as good as i have calculated/prayed for then we are up a proverbial creek .. This trip is costing approx $10k more than our last and the extra $$$are killing us ... I am already working approx 10 hours overtime at work each week to try and make some extra cash ... We all do what we can to make our trip dreams come true ...

Yep that's us at least $10k more and man that extra money is a thanks for making me feel better DH said we have spent so much on this trip it is for us to be having to watch every penny like a hawk when we know we can clear it with the tax return and the 6 months with 0% interest was a lovely bonus

 

[battymum]

I would never go away without quick access to money should I need it, even for things that your travel insurance would cover - its easier to just pay and claim it back - say lost bags etc.

We had not a care in the world on our cruise last year and only ever carried our shipcard - but when the Costa Concordia sank this year - I said to DH that I would always carry my credit card around - those that had them were able to get secure accommodation, transport and flights straight away.