<prompt> Human: I just graduated from college and start my full time job in July. My company is reimbursing me for relocation, but I dont have enough money to pay for relocation expenses up front. I will need to relocate from Texas to San Francisco, and I estimate that between moving belongings, plane tickets, paying first months rent, security deposits, etc. I would need to have around 5000 upfront. Now before I start my career, I would also like to take a vacation internationally, which would be another couple thousand dollar expense. Considering that I have already signed the paperwork for my new job and will be receiving a starting salary of 120,000, I dont see myself having any issues paying off my debt very quickly once I receive my paychecks. I plan to pay off any credit card debt and personal loans within my first four paychecks, or within 2 months time of starting my job. So as far as moving expenses, am I better off using credit cards to help me relocate or taking out a personal loan? I currently have a credit limit of 6000 on my personal credit card. My second question is would it be okay to use my credit card or a personal loan in order to fund a vacation?  <response>: Considering that I have already signed the paperwork for my new job and will be receiving a starting salary of 120,000, I dont see myself having any issues paying off my debt very quickly once I receive my paychecks. Counting chickens before they hatch - chances are you wont end up homeless or anything if you do this, but going in to debt for luxuries and wants instead of just waiting 6 months or so is a bad habit to get into. There are also some risks that the job falls through and you get stuck with the debt and no way to pay it, or something else comes up that takes your attention away from actually paying it back so aggressively. Id say just save up and go on vacation later. 