General Chat, Products & Comps <
02/06/2013 at 20:50
We have always saved up and paid cash and if it went on the credit card it was paid back straight away.
weve always had pretty modest holidays, Devon /Wales in a caravan ,rented friends farmhouse in Brittany last year and done centre parks in holland.
im desperate for what I call a proper holiday where I can sit by the pool and watch the girls. Not to worry about shopping cooking etc. so all inclusive would be ideal.
now as there's 6 of us we always said we couldn't afford it and certain companies would charge the boys. Adult prices. So I've been thinking of saying sod it and put it on my credit card which goes against everything I normally do.
is this the normal way to holiday,pay by cc and worry about payback later?
02/06/2013 at 20:52
I never buy anything on the credit card, from cars to kitchens to holidays. I always save up first.
(I am a boring accountant nerd though so not a good example!!)
He he pingu, I'm usually boring with money too.
02/06/2013 at 20:53
I'm the opposite. Live on the line and class my overdraft and credit card as my money and think about paying it back after.
YOLO - you only live once ;)
Go for it!
02/06/2013 at 20:57
We've never put holidays on credit cards, not since our honeymoon anyway but we've had cheapish holidays where we've been able to pay for the flights then a month or so later book the car hire etc. That way we've spread the cost out. If you book far enough in advance could you pay the deposit and then save for the rest in the meantime?
02/06/2013 at 21:03
Dolly,I sometimes wish I could be like that but money scares me, or lack of it.
Noggin it would be for summer 2014 anyway so hopefully alot would be paid but prob not all.
02/06/2013 at 21:22
We haven't had a holiday for 6 years until last September. We used H's share save money to pay for a week in Cyprus foor his brothers wedding. This year he got a small bonus so we are using that to put half towards a gite in France.
02/06/2013 at 21:26
We only ever pay it on cc but have the cash ready to pay it off straight away. As boring as it is, the holiday would end up costing loads more and put you in debt which one day could stop you going again for a while! Why don't you save for a couple of years for a 'big' holiday and have. Couple of weekend breaks in the meantime?
02/06/2013 at 21:33
This year, our first as a family of 4 - PPI victory!!
God knows if we will make it on one next year as we are not savers.
02/06/2013 at 21:38
02/06/2013 at 21:52
I must try ppi! Thank you all.
Lauren the problem with that is a weekend away in this country for 6 still isn't cheap.
I guess Im trying to convince myself it's ok .
We always try and holiday on the cheap but thinking about it I'm not convinced its much cheaper,for instance last yr in France was the cost of the house,the ferry which was far from cheap.10 hours driving to and from the holiday not including while thereso must have spent a small fortune in fuel and then there's food and activities, it all mounts up and while yes it is a bit cheaper we had to provide the entertainment for the children as The was no pool and we were 30mins from the beach so had to drive everywhere.
I think we may just say sod it. Now for my next thread..........
02/06/2013 at 21:59
Yeah that is very true, sometimes your best off going abroad. An ll inclusive may work out cheaper for you all? I always use ice lolly or something like on the beach and cut out the travel agent fees, it saves a lot of money x
02/06/2013 at 22:08
Thanks Lauren ill have a look at those.
02/06/2013 at 23:08
We are stupid and go in to debt to go on holiday abroad.
02/06/2013 at 23:20
We will save up and pay on credit card as we get cash back on our card and also there's an insurance thing on it too so if say the company went bust then we'd get our money back iykwim.
We are going to Spain this year in August.
We are going to a town house, flying from Glasgow as its not their school hols and its costing just over a grand for 10 days. Which I think is bargainous!
02/06/2013 at 23:21
We tend to book through expedia. You pay half at the time of booking and the remaining balance about a month before you go. Helps to spread the cost a bit.
03/06/2013 at 04:09
Always on credit card as it gives us cover should anything go wrong. It is paid off in full every month so we don't have the worry of debts hanging over our heads. I'd never go on holiday unless we could afford it, I hate the idea of owing money, it makes me feel sick. Everyone is different though and if you are comfortable paying for it later, knowing you can cover it, then why not.
03/06/2013 at 05:47
Couldn't you get one of those 0% interest for 6 month credit cards and start paying it off straightaway then switch to another 0% one? (Do they still so those?)
We put everything on the credit card but our bank take the money trailer from our current account each month in full anyway. With my UK credit card I always pay off within at least 2 months if the figure is getting too high for my liking.
03/06/2013 at 07:19
We normally book quite a bit in advance and pay a deposit then just pay a bit towards it each month. Once the holiday is paid we tend to get some money changed into euros each month too to help save up spending money
03/06/2013 at 08:03
We often use the credit card to book holidays but only if we can afford to pay off the balance - unless you have a 0 percent interest one its a very expensive way of borrowing money. I'd rather save the money up first.
But I expect you could find a deal somewhere which works out as cheap as the holiday to France. Alternatively look st getting some meals catered - we've done this in the past. Expensive but a treat when self catering. SC does give you ths flexibility with small children to know that you're not paying for food they don't eat.
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