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The Real Reason You Can’t Afford to Take a Family Vacation

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The Real Reason You Cant Afford to Take a Family Vacation

Every time school lets out, your social feed fills with sunny beach photos, theme park selfies, and perfectly curated family road trips. Meanwhile, you’re staring at your bank account, wondering how anyone is affording a vacation, let alone one that costs thousands. It’s not that you don’t want to go. Something always gets in the way—bills, debt, or the rising cost of everything. You’re not alone if you feel like a family vacation is always out of reach.

But the truth is, the reason many families can’t afford a vacation isn’t just about income. It’s about everyday habits, financial blind spots, and the way we manage our money without even realizing it. Vacation savings don’t appear magically. They’re carved out over time with small choices and consistent effort. Here are the real reasons you may be missing out—and what you can do to finally plan the getaway your family deserves.

1. You’re Not Treating It Like a Priority

If something isn’t part of your budget, it usually doesn’t happen. Family vacations often feel like “extras” rather than goals, so they get pushed down the list behind more urgent expenses. But it becomes achievable when you treat a vacation like a real savings goal—with a timeline, amount, and strategy. Without structure, it just stays a wish. Start by deciding what you want and when, and build the rest of your budget around that.

2. Subscriptions Are Eating Up Your Budget

Monthly charges for streaming services, meal kits, subscription boxes, fitness apps, and more can quietly drain your finances. When you total up these small charges, you might find you’re spending hundreds every month without even noticing. That’s money that could go straight into your vacation fund. Cutting out or pausing just a few of these can free up significant cash. Cancel what you don’t use and reroute those dollars to something your whole family will remember forever.

3. You Rely Too Much on Credit Cards

Credit cards make it easy to live above your means. If you’re constantly using them to cover shortfalls, it’s hard to save for anything long term—especially a family vacation. The interest alone can eat up money that could be used for travel. Paying off your cards and building savings instead helps you afford things without the aftershock of debt. Vacations are supposed to be stress-free, not followed by months of regret.

4. You Haven’t Built a Vacation Fund

Many families wait to “see what’s left” at the end of the month to save, but the truth is, nothing’s usually left. Creating a separate savings account just for vacations is a game-changer. Automate small contributions each payday, even if it’s only $10 or $20. Over time, it builds momentum and becomes a source of motivation. When the time comes to book, you’ll already be halfway there, without scrambling or charging it.

5. Impulse Spending Adds Up Fast

Those little splurges at the checkout line, the daily drive-thru coffee, or last-minute Amazon buys seem harmless. But added up over a month, they can total hundreds of dollars. That’s money that could go toward experiences your family will remember forever. Keep a spending log for just one week and see where your money goes. Cutting back doesn’t mean cutting joy—it means being intentional about where your money is actually serving your family.

6. You’re Not Planning Ahead

Last-minute vacations are almost always more expensive. You can take advantage of deals, flexible pricing, and travel rewards when you plan in advance. You also have time to budget for food, transportation, and activities without putting it all on a credit card. Waiting until school is out and trying to “figure something out” rarely ends well. The earlier you plan, the more affordable a trip becomes.

7. You Think a Vacation Has to Be Expensive

Too often, we get caught up in the idea that a vacation has to be big, flashy, and Instagram-worthy to be worth it. But some of the best family memories come from simple trips—camping, local road trips, state parks, or even staycations with planned activities. If you’re holding out for a picture-perfect getaway you can’t afford, you’re missing chances to make memories now. Focus on connection, not cost. Your kids will remember the time, not the price tag.

Your Family Deserves a Break—But It Starts with a Plan

You don’t need to earn six figures or win the lottery to take your family on vacation. You just need a mindset shift, a little consistency, and the willingness to say no to small things so you can say yes to big ones. Once you see where your money is going, you can redirect it with purpose. And that family getaway? It’s closer than you think.

What’s one small change you could make today to start funding your next family adventure? Share your thoughts in the comments!

Read More:

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6 Times Parents Should Cancel a Family Vacation (and Why It’s the Right Call)

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Times Parents Should Cancel a Family Vacation

Family vacations are often seen as untouchable—something you power through no matter what because memories must be made, money’s already spent, and the kids are counting on it. But here’s the truth: not every family vacation should happen as planned. Sometimes, life throws curveballs that make canceling the smarter, kinder, and more responsible option. It doesn’t mean you’ve failed as a parent—it means you’re making the hard choice with your family’s well-being in mind.
Here are six times canceling your trip is not just okay—it’s the best decision you can make.

1. When Someone’s Seriously Sick

A runny nose might not be reason enough to pull the plug, but if someone in your family is dealing with a high fever, the flu, or a contagious illness, hitting the road can make things worse. Traveling while sick is uncomfortable, potentially dangerous, and inconsiderate to others around you. Plus, the recovery time might drag on if your child can’t rest properly while on the move. Instead of creating fun memories, you’re more likely to rack up doctor visits and added stress. Canceling gives everyone the chance to heal—and enjoy the trip another time.

2. When Mental Health Needs Come First

Vacations aren’t always relaxing for everyone. If someone in your family—child or adult—is struggling with anxiety, depression, or emotional overload, forcing a trip can push them further into distress. Travel disruptions, crowds, new environments, and lack of routine can be especially overwhelming. Ignoring these signs just to stick to a schedule rarely ends well. Prioritizing mental health over a packed itinerary sends the powerful message that your family’s emotional needs matter more than a destination.

3. When the Budget Just Doesn’t Work Anymore

Financial stress can suck the joy out of even the most beautiful setting. If your circumstances change—a job loss, unexpected bills, or rising costs—going through with a family vacation you can’t afford may lead to guilt, tension, or debt. Kids are surprisingly resilient and often happier with a relaxed weekend picnic than a whirlwind trip filled with financial pressure. Canceling or rescheduling for a more affordable time shows financial responsibility and models smart decision-making for your children. Peace of mind is worth more than a plane ticket.

4. When There’s a Crisis at Home

Emergencies don’t care about your travel plans. If there’s a family emergency, major home issue (like flooding or a broken furnace), or a crisis involving loved ones, it’s time to reassess. Leaving during chaos at home can leave you distracted, anxious, or needing to cut the trip short anyway. While canceling may be disappointing, it also lets you be fully present where you’re needed most. Vacations can be rescheduled—handling a crisis often can’t wait.

5. When Everyone Is Burnt Out

It’s easy to think a family vacation will be the cure for stress, but sometimes the planning, packing, and pressure just add to the burnout. If everyone is already overwhelmed and barely getting through the day, adding travel to the mix might backfire. Kids who are cranky or overstimulated may not handle long car rides or airport lines well, and tired parents might have shorter tempers. A staycation or low-key weekend at home might be the recharge everyone actually needs. Canceling doesn’t mean giving up—it means tuning in to what your family truly needs.

6. When Safety Is at Risk

Whether it’s a natural disaster forecast, political unrest, unsafe accommodations, or a sudden health advisory, safety concerns should always be a top priority. No matter how much you’ve planned, it’s not worth risking your family’s well-being. Kids are incredibly intuitive and can pick up on stress when parents are trying to “make it work” in unsafe conditions. Canceling under these circumstances is an act of protection, not fear. It’s far better to delay than to regret ignoring red flags.

Sometimes the Best Memories Come From Doing What’s Right

Canceling a family vacation might feel like a loss in the moment, but in the bigger picture, it’s often a loving and wise decision. Kids remember how they felt more than where they went. Choosing their health, safety, and emotional well-being over packed bags teaches them that people come before plans. It’s not about the trip—it’s about showing up for your family, however that looks.
Have You Ever Canceled a Trip for the Right Reasons? What made you hit pause—and what did your family gain from staying home? Share your stories and reflections in the comments!

Read More:

Family Vacation Ideas on a Budget: 8 Destinations hat Are Big on Fun, Small on Cost

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Simple Ways to Create Memories with Your Kids

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Ways to Create Memories with Your Kids

Sometimes when your kids are little, every day might seem so LONG. The kids have endless needs you have to meet, and they might fuss, cry, or have tantrums. However, smiling older women look at you in the store and compliment your beautiful family and reminisce about their now-grown children. People tell you, “The days are long, but the years are short.” Yet, while you try to enjoy the days, sometimes you struggle. As your kids grow older (and it happens so quickly!), you realize that the time you have with them is fleeting, and you want to create memories with them. Here are some suggestions to do just that.

Simple Ways to Create Memories with Your Kids

Creating memories with your kids doesn’t have to be expensive. You simply need to spend your undivided time with them.

Actively Watch Their Sports

How often have you gone to kids’ sporting events and seen parents not watching the game but instead giving all of their attention to their smartphones? Put the phone aside and watch your kids. They notice, and they’ll appreciate that you spend time on them, not on the internet.

Have a Dedicated Movie Night

One fun family tradition is to have a dedicated movie time. In our family, we watch a movie on Sunday afternoon. This activity may not seem like much, but your kids will likely enjoy this tradition and remember it fondly when looking back on their childhoods.

Play Board Games

Likewise, you can have a family game night. Or, if you can’t play board games with the family that often, make a habit of playing a board game with your child at least once every two weeks. Your kids will enjoy playing the game and the time you gave them.

Read Aloud to Them

Ways to Create Memories with Your Kids

This family tradition is best started when your kids are young, though you can begin any time they’re in elementary school. When my kids were babies, I started reading aloud to them, and we never stopped. My younger kids are now 13 and 12, and I still read aloud to them every day. I’m sure this is one activity they’ll cherish and hopefully repeat with their children.

Have a Yes Day

Too often, we parents say no because it’s more convenient than saying yes. Challenge yourself to say yes one day and see how different the day will be. “Mom, can we go to the park?” Yes. “Can I bake a cake?” Yes. If the activity the children propose isn’t dangerous or out of your budget, try saying yes and see what happens.

Take Them on Vacation

Finally, if you have the means, take your children on vacation. Getting out of your element and exploring new places leads to family bonding, especially when you reminisce about your adventures years later.

Final Thoughts

Kids grow up too quickly. The older women in the stores are right—the days are long, but the years are short. Cherish the time you have by utilizing simple ways to create memories with your kids. You’ll be glad you did.

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Vacation Before Your Kids No Longer Want to Hang with You

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Travel with your kids before they no longer want to hang with you

When I was a teenager, my mom and I traveled together, just the two of us, for one week every year. We both enjoyed these trips. However, teenagers don’t always enjoy traveling with their parents, even when their parents take them on a once-in-a-lifetime trip somewhere like Europe. Often, kids as young as 11 or 12 would rather be with their friends than their parents. Therefore, you may want to have an epic vacation before your kids no longer want to hang with you.

Many Families Struggle Financially in the Early Years

Unfortunately, many families struggle financially in the years when kids are young. Parents have to pay for diapers, formula, and daycare, none of which are cheap. In addition, parents may be younger and starting their careers, so their pay is low.

Once the kids are older, say ten and up, parents are on firmer financial footing and have more money to spend on vacations. Unfortunately, this may coincide with the time kids don’t want to do as much as their parents.

Prioritize Fun in the Younger Years

In his book, Die with Zero, Bill Perkins suggests that you spend most of your money upfront when you’re young enough to do the activities you want to do physically. This allows you to create a rich memory bank to sustain you in your older years when you’re not physically able to do as much.

Likewise, your children have a sweet spot between eight and 13 where they enjoy vacations and traveling with you before they get too involved in their own lives and friendships. That is when you want to prioritize travel with your children, even if it means scrimping in other areas of your life to find the money for travel.

My Experience Traveling with Kids

When our kids were young, we lived in the Midwest. We didn’t have money for travel, but my husband frequently had to attend work-related conferences. For the conferences a day’s drive away, the kids and I could tag along because my husband’s work paid for the hotel room. We’d pack food and try to visit as many free attractions as possible. The kids loved it. We went to Philadelphia, Ohio, North Carolina, Minneapolis, Quebec, and our favorite, Boston.

When the kids were 10, 5, and 4, we moved to Arizona. We couldn’t travel with my husband anymore because conferences were no longer within driving distance.

Now, we recently moved to New York. My husband has a conference in Philadelphia, so we were excited to resume our tradition with the younger two kids, now 13 and 12, and take them with us. To our surprise, the 13-year-old is indifferent to the trip and the 12-year-old is complaining about having to go. So now, our travel window seems to have closed. Of course, we’ll still travel with them, but we miss the excitement they used to have about traveling.

Final Thoughts

If you have younger kids, I recommend you prioritize taking a vacation before your kids no longer want to hang with you. Hopefully, they will always enjoy traveling with you, but if not, your memory bank and theirs will be filled with earlier, fun vacations.

Read More

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Planning a Road Trip with a Toddler

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Planning a road trip with a toddler? If so, find out how we beat boredom, take of potty breaks, and plan snacks!This week we will be embarking on our first family road trip with our toddler!

We travelled a bit when she was a baby but now that she’s an active three ear old I suspect things will be a little different. Things like potty breaks and dealing with the ‘’I’m bored’s’’ and ‘’are we there yet’s?’’. Maybe I’m wrong but I’m certainly expecting our trip to take slightly longer with her in tow.

Potty Break Planning

Dealing with the potty breaks shouldn’t been too bad if I make sure she goes before we leave and limit her drinking in the car. I have a pretty good idea of what she can consume before she really has to go. We’re heading to an island that you can get to via bridge or ferry and we’re opting to take the ferry to break the trip up a bit. Take the ferry is also a guaranteed way to break the trip up. We’ll be able to get out of our vehicle and walk around a bit.

Taking a ferry isn’t possible for most road trips, I understand that. I have a friend who, when travelling with her (very active) son breaks up their trips by stopping at WalMart. She jokes that they’re easy to find off any major highway and a guarantee to be able to use the washroom and walk around for a few minutes. It also works with (sometimes necessary) bribes by enticing them with something small if they behave (for her son it’s usually a pack of superman stickers or bandaids). Whatever you need to do to break up your trip, planning your route ahead of time and plotting out all potential stops for emergency bathroom breaks may save your sanity!

Boredom Busters

Dealing with the boredom isn’t such an issue in 2015 with the technology that is available. It’s not unheard of for vehicles to have televisions built right in them! Since we don’t have that luxury, my husband is preloading the family tablet with child appropriate games and videos. Since she doesn’t play on the tablet often it’s usually well received when she does get time with it.

Before we break out the tablet (which is guaranteed to suck her attention) I packed a ‘’car bag’’ full of activities for her to play with. This includes a few books, a notebook for her to color in (along with markers), stickers and a coloring book that’s in a car case for her to be able to color on her lap easily. I suspect this will keep her busy off and on for a while, or until the stickers run out.

Snack Solutions

We also have snacks for the car which I’m sure will be a hit. Snack choice will vary depending on age, for us my biggest thought is mess control. At three, we’ll stick to easy finger food like blueberries, popcorn, cheese strings and crackers. Things like granola bars and yogurt are too messy in the car (at least for my kid) and I’m not interested in dealing with it quite honestly!

With a little extra planning a family road trip with a toddler can be a lot of fun but if you forget to plan for things like potty breaks it can quickly turn into a nightmare!

Any tips for planning a stress free road trip with a toddler?

5 Tips for Planning a Cheap Family Getaway

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family vacationLast weekend I had the luxury of getting out of town with the family, even though we didn’t go very far it was so nice to just get out of our normal routine and boundaries. You don’t have to spend a ton of money to enjoy a family getaway. We managed a weekend away for less than $200 by finding some deals and capitalizing on cost savings, you can too.

Shop Around

We knew we’d need a hotel for the evening but weren’t interesting in spending a ton of money. I also knew we’d likely be spending a decent amount of time in our room given that we have a little on who is asleep fairly early so wanted it to be comfortable and spacious for my husband and I to enjoy while she was sleeping, without being overpriced. The internet makes searching for stuff like hotels a breeze. I found exactly what we needed for below the price we were willing to spend.

Look for Discount Options

We were planning to attend a specific event, if we signed up for notifications from the hosting vendor we would be granted a 25% discount on ticket price. Given that there we a total of seven of us traveling it saved us a decent chunk of money. We also saved on parking at the event itself because they considered us a carpool (more than 4 people), a nice surprise.

Enjoy and Seek Out Perks

I hate paying for parking at hotels, given the rate at which they charge you to sleep in a room I think it’s insane to charge upwards of $40 per day in some cities to park your car on top of room rate. I always look for hotels with free parking before ever paying. I also compare the room rate for breakfast vs. no breakfast included. At our particular hotel not only did we have free parking for only $10 more per night then the other hotel we were looking at, we got hot breakfast included. Our family of three certainly can’t eat (out) for less than $10. The hot breakfast is almost always worth the money to me.

Share Costs

A few family members were traveling with us to go to the same event to we decided to cut one of the cars out and share the cost in our vehicle instead. They save on wear and tear on their vehicle and we shared the cost of gas which was a help to both parties involved. We also shared a hotel room. Paying for the larger room and extra persons charge was still significantly cheaper than us each getting a room and it was nice to have the extra company!

Bring Your Own Snacks

Buying snacks on the road can get expensive. We always pack our collapsible cooler with drinks and light snacks for us and kiddo so we’re not tempted to waste money at gas stations and pit stop locations. We have a child who much prefers to graze throughout the day then eat larger meals so this works especially well for us.

With a little planning it is possible to plan a weekend away with your family and not break the bank. Proper budgeting will insure you can get away without worrying how you’re going to pay for it all when you get back!