I have a dilemma...

[MomToOne]

I'm not trying to sound harsh - but you have a credit balance that is going to take you five YEARS to pay off. To me that says that you have made some questionable financial decisions in your past and might have prioritized immediate gratification over careful planning. I would counsel maybe using this as an opportunity to practice some delayed gratification. Believe me - I completely get it, but like you said - it's not going anywhere.

The OP indicated it was medical debt in her original post. Sounds to me like she just got hit with an unfortunate circumstance, not that it was an issue with "immediate gratification".

 

[sweetdana]

If you have 6 months reserves , go no regrets life is too short. If you don't have savings for an emergency skip it...

 

[JillianMarie]

The OP indicated it was medical debt in her original post. Sounds to me like she just got hit with an unfortunate circumstance, not that it was an issue with "immediate gratification".

Oh. I missed that. I still wouldn't go. Sorry!

 

[NYCDiane]

Take the trip and enjoy it!!!!! There is no reason for you not to take the trip!! You have an active plan in place and you're paying off your debt.

Don't be like me. "I won't take a vacation because ______". "I won't by that coat I need because ________" "I won't go to that show I've been wanting to see because _____"

Well, guess what? I'm almost 52 and STILL haven't gone on that vacation, bought that coat, or seen that show "because _____" You can fill in the blanks but it doesn't matter because I now realize it's all BS. I should have taken the vacations I wanted, purchased items I needed, and seen the shows I wanted to see.

Live your life and ENJOY it! The debt is going to be there whether you go or not. You're not neglecting the debt to take the trip. What's the saying? Oh yeah: Y O L O.... You Only Live Once. TAKE THE TRIP AND HAVE A BLAST!!!!!!!!!!!!!!!! You don't know what tomorrow will bring.

 

[Marsheliz]

Take the trip and enjoy it!!!!! There is no reason for you not to take the trip!! You have an active plan in place and you're paying off your debt.

Don't be like me. "I won't take a vacation because ______". "I won't by that coat I need because ________" "I won't go to that show I've been wanting to see because _____"

Well, guess what? I'm almost 52 and STILL haven't gone on that vacation, bought that coat, or seen that show "because _____" You can fill in the blanks but it doesn't matter because I now realize it's all BS. I should have taken the vacations I wanted, purchased items I needed, and seen the shows I wanted to see.

Live your life and ENJOY it! The debt is going to be there whether you go or not. You're not neglecting the debt to take the trip. What's the saying? Oh yeah: Y O L O.... You Only Live Once. TAKE THE TRIP AND HAVE A BLAST!!!!!!!!!!!!!!!! You don't know what tomorrow will bring.

Amen!!! My thoughts exactly!!

 

[supersnoop]

The OP indicated it was medical debt in her original post. Sounds to me like she just got hit with an unfortunate circumstance, not that it was an issue with "immediate gratification".

OP said "med-large" debt. I took that to mean "medium to large," not medical.

 

[gracie1]

Take the trip and enjoy it!!!!! There is no reason for you not to take the trip!! You have an active plan in place and you're paying off your debt.

Don't be like me. "I won't take a vacation because ______". "I won't by that coat I need because ________" "I won't go to that show I've been wanting to see because _____"

Well, guess what? I'm almost 52 and STILL haven't gone on that vacation, bought that coat, or seen that show "because _____" You can fill in the blanks but it doesn't matter because I now realize it's all BS. I should have taken the vacations I wanted, purchased items I needed, and seen the shows I wanted to see.

Live your life and ENJOY it! The debt is going to be there whether you go or not. You're not neglecting the debt to take the trip. What's the saying? Oh yeah: Y O L O.... You Only Live Once. TAKE THE TRIP AND HAVE A BLAST!!!!!!!!!!!!!!!! You don't know what tomorrow will bring.

Agree 100% Very well said!! I am fighting with myself now because of the reasons you stated. You actually helped me out a little too

 

[APiratesLifeForMe2]

Not many people can say they are debt free so I'm sure plenty of us can relate to going on a vacation even when you have debt. If it is going to take you 5 years to pay it off, can you really wait 5 years to take a vacation? That is also considering no other financial burdens come along during that time period. When did you start the new budget to pay down debt? Perhaps take a compromise and get a good year of the new budget under your belt before you consider a vacation.

As another poster inquired, where does the vacation budget fit into the 5 year plan? Can you pay everything off sooner if you postpone?

 

[mi*vida*loca]

You only live once. Make memories. I would go.

 

[LuvSnowWhite]

Thank you so much everyone for your thoughtful and considered replys. I think my friend said that I will only pay it off a few months earlier if I don't go. But that doesn't make sense. She's on here so she may add a comment and clarify. Anyway still deciding. Leaning toward not going but still deciding.
We would be at Coronado Springs if we go. I guess we can skip Universal that would also save money.
And everyone, great ideas and good points about not really needing anymore souvenirs just going more for a rest and recoup.