by Tenielle Shallman

Summer is just around the corner and, for many of us, that means planning a vacation. As you begin planning, give careful consideration to how much you can afford and how you plan to pay for it. Following are a few thoughts to consider:

Start with a budget. Develop a list of all of the various expenses (lodging, travel, food, attractions, etc.) and determine how much each may cost. Whenever possible, look for ways to cut those costs. Once you determine a budget that is right for you, set rules about spending and stick to them!

Plan ahead. If you plan to travel by plane, booking far enough in advance may allow you to use airline or credit card miles. You may also be able to find packages that allow you to buy airline tickets and book your hotel at the same time at a reduced price.

Search for discounts and coupons. Do not be afraid to ask the hotels, car rental agencies, and attractions whether they offer special rates for various memberships or groups such as AARP for seniors, students, and Military, or AAA. You may also be able to find discounts or coupons available online.

Consider staying with friends or relatives for free, if that is an option. If traveling in a large group, consider booking a vacation rental, which may offer more space and more amenities for potentially the same price as a hotel or less.

Consider bringing and preparing your own meals whenever possible. Many hotels or rental units offer built-in kitchen amenities.

If you examine your budget and discover that you cannot afford to get away this year, for next year’s vacation you might consider putting aside some money on a monthly basis.