If your paid every other week, here is an easy, painless way to save for a vacation. There are a few months a year where you get an "extra" check in a month... for me it works out great since DFiance and I get paid alternating weeks we get four such checks. We are able to save around $3,000 this way yearly and then we also instituted a overtime rule, meaning if we get more than expected in a check because of overtime we deduct that amount from the deposit and put it into savings. Also anytime we are "free" from a bill payment, ie; insurance renewal month, etc. That goes there too! Because of this we will be going cruising again in December because I get my extra check next payday, I also am working 35 hours of overtime this pay period and our insurance is up for renewal. Yahoo!