Holidays whilst still in debt

loopyloulou_3

I am having a dilemma about a holiday!

I could either, carry on as I am, with CC on 0% and chipping away at my loan slowly but surely, and save some money to go away this time next year (without putting myself into any more debt) by saving £100 a month for 10 months (which I was – until last month – paying off my sofas with). Or I could pay an extra £100 a month off my CC and not have a holiday until I am debt free - which could take forever!!

I feel bad going on hols with debt still there, although I am starting to feel the need for a holiday as I haven’t had one for years and years (and even when I did they were tagging along with my OH’s parents!).

Do any of you still take holidays whilst in debt, or are you waiting to be debt free, save up and then have a holiday?

Broken_hearted

Do whats best for you. I think a cheap holiday would be nice.

chralph

Hiya

Do you have your debt under control and would you mind waiting that extra bit of time until it is paid off.

Im not sure how much u used to have but if you feel as though you deserve a holiday I think you should

I can rememebr you keeping us entertained about your meeting with the boss lol!!

Chris
X

loopyloulou_3

well i was thinking of Goa, simply because my sis just got back from 2 weeks there, spent £500 on the hol and took £500 spending money and came back with money left over!!

I dont think thats too bad inc spending money for a hol of a lifetime

rog2

Why shouldn't you have a holiday if you are in debt?
You are even allowed to budget for a holiday in bankruptcy.
You already feel bad enough about being in debt - but you are doing something positive about it. No need to wair a hair shirt for the rest of your life.

loopyloulou_3

glad i entertained you all! he is in a meeting at the mo! LOL

debt is under control and going down slowly, a few years ago i would have put a hol on CC without thinking twice!

I suppose i could save £100 a month for a year and decide nearer the time what to do with teh cash!

iceicebaby

It's up to you really. You need to weigh up whats more important, a holiday or clearing your debts faster.

Id go for the holoday personally lol

xzibit

Personally, I'd say take a holiday. There's no point going through life not having any fun because you have a debt.
I'm planning on going to Oz next year, which will mean I will add another 6 months or so to paying of my debt, (as the money that would be put towards the debt will go towards the trip) but, personally I think that after a nice break, I will be much happier about paying off the rest of the money after.

Have a holiday, enjoy yourself and don't feel one bit of guilt!!

James&Shell

We went to a haven site in somerset for our holiday in september it cost 150 for the 3 of us and we just used the park as accomodation and went round the surrounding area.

You deserve a holiday

loopyloulou_3

rog - you are right - i sometimes think i take this MSE thing a little too far (if there is such a thing) and sacrifice having a life for the dream of being debt free!

Im gonna save £1000 put it into high interest and think about it!!

bride2be2006

I totally agree you need a holiday every now and then to de-stress, I say go for it, we are planning a cheap week in Cornwall next year (borrowing OH's parents caravan) and I don't feel a bit guilty!:p