This is interesting timing because I just posted something similar to this on another board. What I do when I have a big vacation coming up is place $20 in an envelope every week to be used for spending money. Since my vacations are usually planned a year in advance, it gives me plenty of time to do this. I don't miss the $20 each week and it sure adds up fast. For our upcoming cruise, I will have $1320 in that envelope because I have been adding my $20 each week since I booked it.