It's been so interesting to read all of these replies. Our first trip we went on we used our credit card. STUPID! We had a horrible time. DH had a nasty comment about everything we bought, including him. So, since then we have saved and made sure we had the money to go. It's sooo much nicer to have the money to spend. I figure if we have the money budgeted, then we can spend it. I am a clearance shopper. I look for bargains. I don't have a problem with hand me downs for my kids. But, when we go on vacation to Disney this evil person comes out in me, and I don't care what I spend.