Are holidays on plastic really just “plastic holidays”?

What camp do you fall into when it comes to holidays?  Do you make sure it’s all paid for in advance with your own money or do you tend to slap it on the plastic now and worry about it later?

Obviously not everyone is disciplined when it comes to their money and a lot of people spend up big using their credit cards to pay for holidays. If that applies to you, here are some tips to help you save for your next big break without relying on debt.

Start with a plan. Create a simple budget. Automatically allocate some money from each pay to a separate account and don’t touch it. It will quietly build while you plan for your holiday.