We haven't gone on vacays much due to job changes, moving for jobs, kids being born and the biggie-job loss a few years ago. The loss turned out to be a blessing in disguise now as we have become independent contractors and commission much higher (imagine getting paid more the harder your work
). So because I have been on penny pinching mode for soooo long (dating back from broke college student days - both DH and I worked our way through college) it make me cringe to have more than $1-2K for a vacay. We own a timeshare at Lake Ozark that we trade for lodging (maintenance fees, II membership and trade fee <$600/year). Also my MIL owns a big house right on main channel at Lake Ozark so we frequently go there (free lodging, I do usually buy some groceries and we cook there, and will go out to some resorts once or twice a summer).
This summer was first family trip (outside of family visit) in 10 years (yay to lean years being over) and DH budgeted waaay more than I did-but he did not want to have to watch every penny or constantly tell kids no when they wanted something (and kids had their own spending money too). We had one nice meal a day, QS other times, a beach day etc and stayed offsite at great resort. DH still announces the last day that we didn't spend anywhere near what he had budgeted and took us shopping with orders to get (more) souvenirs.
We still didn't spend over $5K-including tickets, gas, rental car, food, souvenirs etc.
Soo I am now planning next years vacay, and we have an adults only Vegas trip coming up.
Oh and one word of advice if planning Badlands trip-go in fall or winter-or you may burn up in summer. Grew up in NoDak and badlands/Mt Rushmore were usually fall weekend trips for us. Yellowstone/wyoming/montana trips were summer vacations. My MIL wants to take kids to see Rushmore but it is really miserable during summer and hard to pull kids out during school (cooler temp) year.
We too do the cash back or airline miles rewards. All business expenses go on those cards, paid in full every month. This recent trip 3 years in the making and we had air tickets paid for with the rewards, and Vegas trip airfare paid for with rewards from June Disney trip. We usually eat at home (have a large garden, chickens and buy meat in larger quantities so it is lower $per pound).
Would love to do a cruise but I would need to have monthly payments so the end lump sum cost doesn't give me heart failure