<prompt> Human: What are some general guidelines when it comes to if you can afford to take a vacation based on your financial situation? Not like saving money while traveling, but flat out deciding to spend money and take a trip anywhere. Is there a percentage of your budget that is a generally accepted number that goes towards vacationing? What about vacationing and putting all costs on a credit card to pay off later if I cant right now?  <response>: What about vacationing and putting all costs on a credit card to pay off later if I cant right now?This is how you know you cant afford the vacation.If you dont have the cash, dont take the vacation. So determine how much the vacation will cost add 10-20 buffer and start saving monthly. When you have the money, take the vacation. 