Vacations are great, but if you’re working on paying off debt or saving up your emergency fund, stay focused. Once you’re debt-free, you’ll be able to save for really nice vacations and pay cash. Use that as motivation to pay off your debt quickly. But don’t forget, you still need to budget for it. I still budgets for my trips. The best kind of vacation is the one you’re not still paying for after you’re back home. | Dave Ramsey