Making the Most of Your Summer: Budget-Friendly Vacation Tips and Challenges

authentically you financial May 14, 2024

Summer vacation is almost here, and that's a relief. But enjoying a vacation isn't always easy. The U.S. doesn't give as much paid time off as other countries, and many workers don't use all their vacation days. Surprisingly, even though most people think vacations are important, they still don't take them. I find that I often mix in business and pleasure because of time and money and the opportunities to travel are greater.

Skipping vacations is a mistake. They're crucial for our well-being so make sure your vacation is meaningful, even if you're on a tight budget or short on time.

It’s important to recognize the value of taking a vacation. Some people feel guilty about taking time off work, but research shows that vacations are good for you because they boost mental and physical health, job performance, creativity, and relationships. In the end, vacationers tend to be happier and more satisfied with life.

You might find that planning for a summer vacation can feel daunting when finances are a concern. However, there are ways to make it happen without breaking the bank with conscious and intentional planning.


Here are some tips:

Set a budget: Determine how much you can afford to spend on your vacation and be realistic about your financial situation and prioritize your spending accordingly. Setting a travel budget ensures you don't overspend. Allocate 25% for transportation, 40% for lodging, 25% for food, and 10% for activities. Involve your family in budgeting for souvenirs and activities, so that you are not the vacation police. Track your spending to stay within your budget, whether using cash, prepaid cards, or credit cards used with caution. Establish a daily spending limit for each person and category making sure everyone contributes to staying within the budget. A visual and easy method is to put daily cash in separate envelopes for each spending category, creating a balance between enjoyment and financial responsibility.

Explore budget-friendly destinations: Look for destinations that offer affordable accommodations, activities, and dining options. Consider off-peak times or less touristy locations to save money. Be flexible with travel dates because I have found that traveling during off-peak times or on weekdays can often result in lower prices for flights, accommodations, and attractions.

Consider alternative accommodations: Instead of pricey hotels, explore options like vacation rentals, hostels, or camping to save on lodging costs. Compare deals between hotels and vacation rentals, and decide based on your preferences. Flying versus driving, depending on your destination and budget can have huge impact.

Look for discounts: Group rates, early bird discounts at amusement parks, free museum admission with memberships, email list offers, credit card rewards, and restaurant promotions are often available and don't forget to explore free activities too. As you plan activities wisely you can focus on free or low-cost activities such as hiking, picnicking, visiting local parks, or exploring museums with free admission.

Pack smart: Bring essentials like sunscreen, reusable water bottles, and snacks to avoid overpaying for items at tourist destinations.


Challenge yourself to prioritize your well-being by planning and taking a meaningful vacation.


Your challenge is to:

  • Set a clear budget and stick to it.
  • Explore alternative, budget-friendly vacation options.
  • Be flexible with your travel plans and open to new experiences.
  • Take the initiative to plan activities that align with your interests and budget.
  • Embrace simplicity and focus on enjoying the present moment during your vacation.


By accepting this challenge and taking proactive steps to prioritize your well-being, you'll not only create lasting memories but also reap the benefits of a rejuvenating vacation experience while being true to your finances.

It’s about the journey, not the destination

Grab a weekly lesson, motivation, and self-care ideas delivered to your inbox in becoming authentically YOU.

We hate SPAM. We will never sell your information, for any reason.

Boost Your Budget: Why Separate Accounts Are Your Secret Weapon

Jun 11, 2024