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Taking a Vacation While on a Debt Elimination Plan

Updated on August 15, 2011

Should you go on a vacation when following a debt elimination plan? If you’ve read Dave Ramsey’s Total Money Makeover, you’ll know that he is very much against this as it slows down progress. And this is true. However for many people, saving up for a small local vacation can break the monotony of frugal living and help to keep motivation in existence. Without that motivation, debt elimination isn’t going to happen.

Mount Rainier National Park
Mount Rainier National Park

Chances are, no matter where you live there is somewhere within a days’ drive that can serve as a mini-vacation to recharge those mental batteries. For instance, from where I used to live in Washington State, we went to Mount Rainier National Park, the San Juan Islands, and even a ferry adventure into Canada.

Now that I live in Southern California, there is a multitude of places within a days’ drive worth visiting. Our next planned adventure is Sequoia National Park where we’ll stay for a couple nights and do lots of hiking. Saving up a $100 a month for 6 months will make this possible without using a credit card and still stick to the debt elimination plan.  $600 will be more than enough for everything including gas, food, lodging and even a few souvenirs. 

My husband and I have a whole list of places to go and it is doable with careful planning and saving. Perhaps nature outings are not your thing and you’d rather have a weekend in the city, a ski trip, or a fancy dinner and concert.

I had a friend who took his family into San Diego, (he lives 100 miles from there) stayed overnight in a nice hotel next to the baseball stadium and went to a Padres game…all for about $500. He planned for months and took advantage of discounts by doing some research ahead of time. As a result, everything went smoothly and they had a wonderful time.

A small vacation every year or so isn’t going to make a great deal of difference in a debt elimination plan as long as you begin organizing the trip way in advance. Then you can put money away little by little and it will be something that everyone can look forward to, relieving a little the mundane pressures of frugal living.


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    • bloggering profile imageAUTHOR


      7 years ago from Southern California

      You got it! We did make it to Sequoia National Park as mentioned above and it was heavenly. We went right after Labor Day, so practically had the place to ourselves.

    • Millionaire Tips profile image

      Shasta Matova 

      7 years ago from USA

      I agree with this, having just come back from vacation. If you deprive yourself of everything, you are going to have trouble motivating yourself to keep frugal, and will wind up splurging even more on the little things.

    • bloggering profile imageAUTHOR


      7 years ago from Southern California

      Yes - totally denying yourself a little vacation is an out of balance state of mind and can encourage a spending binge. I speak from experience!

    • Neil Sperling profile image

      Neil Sperling 

      7 years ago from Port Dover Ontario Canada

      A small vacation every year or so isn’t going to make a great deal of difference in a debt elimination plan as long as you begin organizing the trip way in advance. ---

      That sums it is perfectly!


    • bloggering profile imageAUTHOR


      7 years ago from Southern California

      Thanks Peaceful Life - we are looking forward to it!!

    • Peaceful life profile image

      Peaceful life 

      7 years ago from Las vegas

      that's fine..and nice planning with your husband..well done!


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