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Vacation Temptation

December 4th, 2017 at 05:56 pm

Temptation is a real thing and we/I have to stay strong.

So last night the significant other came home and mentioned that he wanted me to look for a hotel in Naples or St. Augustine for us to take a vacation over the holiday break. He said if I didn't want to do it, he'd do it. I thought about it and said okay, because I'd love a vacation. This is the first year since we have been together that we haven't taken one.

Fast forward to today. I started thinking a hotel over the holiday will be about $120 per night, that's about $480 for four nights. If we rent a car, that's an additional $300, so call it $800 total to go on this little vacation. I currently owe $960 on CC3, wouldn't it be better to pay off CC3? Hell yeah!
When he comes home tonight, I'm going to informed him that I did not look for this hotel or rental and that I'd like the cash to pay off my CC. That will be the best Christmas 🎄 gift 🎁 ever.

I called the bank about the $12 bounce check fee and am waiting on a callback. So we will see. Update, I got the $12 back. It was Chase Bank that returned due to the time frame. The bank rep suggested that I call the bank for a new check. Thanks for the tip everyone.

Today was a no spend day, so this is my third day 😊. $3 so far will be added to debt snowball at the end of the month. No frivolous spending for me.

I realized that my end goal is to retire at 57. That's just right around the corner but it can be done, so long as I live like no one else.

Posted in Reaching Financial Freedom, Goals | 4 Comments »

4 Responses to “Vacation Temptation ”

  1. My English Castle Says:
    December 4th, 2017 at 06:06 pm 1512410805
    1512410805

    Amber--good luck avoiding temptation!

  2. Amber Says:
    December 4th, 2017 at 06:49 pm 1512413358
    1512413358

    Update,AFLAC will reissue the check 😊

    My English Castle all I can do is have the conversation, it's up to him on what he will decide. What bothers me is if I don't have the conversation.

    If he insist on going, it's fine with me because I have no credit cards to use and I'm not spending any money. At least I did my part and had the conversation 😉

  3. Out of the Dark Says:
    December 4th, 2017 at 08:15 pm 1512418505
    1512418505

    Amber, always consider the ROI (Return on Investment). Yes, sometimes our mental ROI is important, however, at this point, I would consider that superficial. What I mean is this: We may truly be in need of a mental reset from time to time. That said, if we do it when we truly are not in a position to afford it or have other pressing needs for our funds, that initial "high" a vacation brings will be superficial once you return to the realization that the funds would have been better spent on debt.

    Now, you make a great point in your reply to My English Castle...that's this, if he chooses to provide you a gift in the form of the vacation, all expenses paid and ONLY after he is current with any/all funds owed to you (including reimbursement(s)), then please, feel free to take advantage of said gift. Like I tell my tenants, "please don't offer to buy me a Christmas gift until your rent is paid in full."

    Keep us posted! OOD

  4. DW Says:
    December 5th, 2017 at 12:55 am 1512435347
    1512435347

    Actually, it will be more than $800, you forgot food.

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