<prompt> Human: Now that we are a default I will ask my favorite question! Personally I always travel to a destination with a card that allows 6 month interest free financing with no retro interest, its a Disney Premier Visa. I usually charge the trip then pay it off in two lump payments over two months with excess cash that usually ends up in my E-fund. So how do YOU pay for vacation or save for it? :  <response>: I save up vacation money the same way I save up all my other money. By not spending it. 