Friday, June 29, 2012

Debt Free Vacation, almost

I've been wanting to take the kids on a Disney Cruise for awhile now.  I was planning to save up the cash first before booking the cruise, BUT to get a Disney Cruise you need to book in advance! Yesterday I booked our January 2013 cruise.  The cost of the cruise plus insurance was a little of $2400.  We opted for an inside stateroom to save money and figuring we wouldn't spend much time in there.  I did use a Disney Visa card to book it, which means I'll get $50 on board credit and I have 6 months of no interest.  I plan to get it paid off within just a few months and if we don't get it paid off before the interest starts on it, then we'll take the money from the emergency fund.  I know it's not an emergency, BUT we have a little more than 6 months expenses in their now.  Baby Step 2.1, part of the expanded TMMO steps is take a vacation, if you can pay for it in cash.  This step actually comes before the fully funded emergency fund, so we're still doing pretty good if we do have to take money from the FFEF.

1 comment:

  1. Hi--I found your blog on the frugal village message board. We just got back from a Disney cruise and it was the best vacation ever! I wrote about it on my blog...savingforadream.blogspot.com.

    Good luck with all your plans!

    (We're stuck at #3..I'm trying to get inspired!)

    ReplyDelete