We don't use credit cards. We pay with ca$h for everything...if we don't have the ca$h, we don't buy it. Seems like "old times" but I have burned with credit cards and therefore won't do it again! But - what I did do was something I thought was smart for our situation...I dedicated a specific bank account to our Vacations - and each paycheck a certain amount is deducted and put into that account. We then watch it grow and plan our vacations - this way, we can take regular vacations knowing what our budget is each year. It has worked for us so far and utilizing almost EVERY discount out there - our vacations can be LONG or SHORT depending on what we do on them! Thanks for starting this thread - it's been very interesting.