It doesn’t take any money to plan on traveling somewhere for your next vacation. But it certainly does take money to actually do it. But, if you have some sort of debt hanging over your head, how much should you really be thinking about vacation in the first place anyway?

Well, if you want to figure out how to handle the debt and plan the journey concurrently, a few things that you can look into include credit card debt consolidation, getting money from friends and family, taking care of your monthly budget, considering the effect of your school loans, or maybe even finding out if you can work during your vacation.

Credit Card Debt Consolidation

One big place that debt tends to accrue is on credit cards. And those numbers can scare you into never planning a vacation if you don’t get all your debts in the same place, on a single bill that you can understand. Plus, if you put your debts on a single card with no interest rate for awhile, you can save a ton of cash during that introductory period.

Money From Friends and Family

When you borrow money from family and friends, that may not officially count as debt, but it for sure does socially. So you want to take special care not to talk about going on a vacation to the Bahamas while you still owe your parents or cousins $5,000 for a loan they gave you to buy your last car. It’s important that you behave gracefully with your money in order to prevent bad vibes in your future financial transactions.

Taking Care of Your Budget

You always need to set a travel budget. But especially when you’re already in debt, this is an even more vital step. You don’t necessarily want to ruin your vacation by not spending any money at all, but at the same time, you don’t want your spending to get so out of control that your vacation makes your normal life miserable when you get back to standard reality.

Considering School Loans

Another debt that might be weighing heavy on your shoulders that prevents you from thinking about vacation is your school debt. But, the thing about those loans that you took out however long ago, is that you will have quite some time to pay them back. And especially if it was for a lot of money, you need to put those thoughts on the back burner and just enjoy yourself once in awhile.

Work During Your Vacation

Another option to handle debt and still go on vacation is the idea of working while you’re at your exotic location! You can be a temporary worker doing all sort of things, and make just enough money to pay for the basic food and travel needs that you have. This will allow you to come back refreshed from your experience, but not broke!