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Don’t let vacation put you in debt

It’s May and the weather is nice. For many people, that means it’s time to start planning a vacation if the planning hasn’t already started. When planning your vacation however, it’s important to stay within your budget and avoid falling into debt.

“Here’s the deal. A vacation is a luxury, not a necessity. Most people get into debt because they’ve been living life like a vacation way too long,” says Dave Ramsey. “Then they fall into this cycle of thinking that they deserve something. That type of thinking is what gets people into debt in the first place.”

If you can afford an expensive vacation without financial worry, then good for you, by all means, go for it. However, you shouldn’t feel entitled to this luxurious and money-sucking vacation if you can’t afford it.

What’s the point in spending a ton of money to relax at the beach, spending money on travel, condo, food, drinks, etc, to come home and resort to the stress of how you’re going to pay your bills on time?

If you can’t comfortably afford a nice and expensive vacation, Dave offers an alternative – a “stay cation.”

“This is simply a vacation from everyday life where you stay close to home,” Dave says. “You and your family can be hometown tourists, spend quality time together and forget about work for a while.”

The best part about the “stay cation” is the money you’ll save by not going to an expensive beach, paying a lot of money on travel and overspending for food, drinks and fun. Then, after the “stay cation,” you’ll be able to live a life in which you aren’t regretting the vacation while struggling to pay your bills.


If you’re struggling to pay your bills and don’t know what to do about your debt, you should consider filing for bankruptcy.

By filing for bankruptcy, you can discharge your debt through a Chapter 7 or lump it all into an affordable 3-5 year repayment plan through a Chapter 13. Then once the process is finished, you have a fresh start to rebuild your credit the right way.

At Darrell Castle & Associates, our experienced bankruptcy attorneys not only want to help you get out of debt through the bankruptcy process, but we also want to help you get to a stronger financial life. We do this by offering you access to a great 14 week program called “7 Steps to a 720,” in which you learn secrets the banks don’t want you to know in regards to re-establishing and rebuilding your credit the right way. This program is free for our clients.

The decision to file for bankruptcy can be a tough one, but the process is easy with our great attorneys.

If you have any questions or if you’re thinking of filing for bankruptcy, you can speak to one of our experienced Memphis bankruptcy attorneys, free of charge, by filling out the “Get in Touch” form below, or by calling us at (901) 327-2100.