When was the last time you went on a free vacation? If you’re anything like I was a few years ago, vacations were a luxury that required putting away money all year to obtain – in other words, it never happened. I struggled to figure out how my social media feed was filled with people going on vacations and having amazing experiences while I was just trying to stick to a budget that worked for me. I was doing the responsible, adult thing of living within my means, paying down debt, and building my credit slowly and surely. Every time I felt that itch of travel-envy, I reassured myself with the same phrase:
Would I rather have a vacation now, or be debt-free faster?
The responsible option won out every time, of course. That’s a good thing, because it was this discipline that set us up for success when we (meaning, my fiance and I) finally discovered how lucrative credit card loyalty/rewards programs could be.