Avoid a vacation-spending hangover
You know the little voice in your head that says, "I work hard, so I deserve this"? It's just one of the psychological games we play that can get us in financial trouble.
Donna Skeels Cygan, author of "The Joy of Financial Security" and president of Sage Future Financial in Albuquerque, New Mexico, says you should slow down and plan a vacation that fits your personal goals and values. Chances are it will be less expensive and more meaningful than the trip you book in a hurry at top dollar just because you suddenly need to get away.
"You can't throw all common sense aside and not think about the fact that you're blowing your budget," Cygan says.
Obviously, the holidays are a nice time to recharge and relax, and you can't do that if you worry about money. "It's not important that you do something elaborate," she adds. "Experiences are far more important than things."
Read on for five budget-busting vacation lies and advice on how to find true happiness during time off without going broke.