It doesn’t matter if you will go on vacation at Easter or later in the year, no matter if the holidays will be at home; In all cases there are five points that we must take into account to spend a happy and deserved vacation.
I would start, prior to vacations, making a diagnosis of my financial and credit situation to see my possibilities. I need to ask for my special credit report, it is free once every twelve months. Within it, I will be able to observe my payment commitments already acquired, my level of indebtedness and the minimum amounts to be paid to look good with credit grantors, among other things. Is there financial margin for vacations? Does my credit card endure to make the purchase of cash or months without interest, taking care not to overcome it? In case, how much can I allocate without getting into trouble and avoiding, preferably, paying interest?
Paying your vacation at interests can be a very attractive option because you do not have to detach yourself from your whole liquidity of a single blow, but you can administer it month by month. As soon as he remembers that to look good you will need to pay at least the minimum they ask for more separate to add the monthly payment of the purchases made months without interest so as not to lose the promotion.
The second is to define how long I have available for vacations, what kind of holiday desire and the place that interests me. It quotes holidays with renowned companies. That they are in several places because you will be surprised by the differences in price that you can find; The longer you have to plan your vacation the best because the last minute things can be more expensive. Check if the packages include trip and accommodation, or the “all inclusive” that are a good option because you really know how much you are going to spend in total.
If you go abroad, find out about cell phone and data plans to choose the most appropriate.
Third, find out about the tourist attractions of the place that interests you and reads the comments of other travelers. Then perform an itinerary of activities and transfers according to the possibilities of your budget. If you are going to use your car, verify that your car insurance policy is up to date and that your car is in good condition; If you are going to rent a check with your bank if the insurance is included if you pay with your credit card.
Room; Make a list to pack everything you need; This will avoid buying things that you already have during your trip. Remember not to go from the kilos, size, or number of suitcases allowed on the plane or other means of transport; You will not want to pay extra. Do not forget to take your passport, payment cards, some cash and credentials that could generate a discount. Speaking of the passport, if you want to travel abroad, find out if you must process any travel permit (eg, visa) and if there is any travel restriction.
Finally, fifth, always make a responsible use of credit; Update your budget every time you make a cat or assume a new commitment. When you buy watch your card and keep the promissory notes so that when you get home you can do your reconciliation. Also make a list of your bank’s emergency phones, in case of theft or loss of your cards, and check the expiration date of your cards and documents before leaving.
About the author:
Wolfgang Erhardt is a national spokesman for Bureau of Credit, spokesman for the Latin American and Caribbean Association of Burós de Crédito, and author of the book “I want a loan! How to obtain and keep it.”
Twitter: @WolfgangErhardt
LinkedIn: Wolfgang Erhardt
The opinions expressed are only the responsibility of their authors and are completely independent of the position and the editorial line of Forbes Mexico.
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