Holiday hacks: How to plan a debt-free vacation

You’re desperate for a break from work and you need to take the family out on a well-deserved trip but is money giving you travel sickness? Your vacation should be enjoyable with your mind away from calculating finances. Try these hacks.
holiday hacks
Holiday hacks: How to plan a debt-free vacation
There is no doubt that all of us enjoy vacations. No one would say “no” to a break after months of hard work. However, holidays are expensive and would need thousands of dollars. And the money would disappear in a few days. Your vacation should be enjoyable with your mind away from calculating finances. That's why we have these holiday hacks for you to enjoy a debt-free vacation.

In this article

Some never get to go on a vacation or enjoy it while flying on a plane because of the financial aspect: every ticket, every meal and every dollar spent would make them feel that they should have probably stayed at home and watched TV. The last thing on your mind when you’re on vacation should be finance. That’s why we’re here to help you with these holiday hacks for you to enjoy a debt-free vacation.


You must create a unique budget for your vacation. Any budget will spread the funds equally for your needs, wants, and leisure. Significantly, it will also restrict overspending. If a vacation is your top priority, then you can consider cutting down the cost of wants — like eating at a restaurant, buying new clothes or a TV subscription.

You can use this money for your travel expenses. If you struggle to give up something, you can motivate yourself about the rewards you will get at your travel destination. Finally, you can also increase your income by working part-time or finding a better-paying job.

Bypass toll roads using iPhone 

If you are going on a road trip, you will have to pay $30 to get a toll pass. Without a toll pass, you might be fined $40 if you unintentionally enter a toll road. You can use the iPhone GPS that has an option to reach the destination by avoiding toll roads. You can turn on Avoid Tolls option in the setting. 

A vacation home instead of a hotel

Many vacation houses have more facilities than a hotel and cost much less than a hotel room. You can use Airbnb. It is a vacation rental company that provides lodging for vacation rentals and tourism activities. However, you will not get room service or pre-ordered food. So you will have to set aside some money for that. 

For more ways to vacation like a pro, check out these tips to nail post-pandemic travel hacks.

Use apps to get cashback

Many apps reward you with cash, coupons, or discounts. You can make most of every app available out there and save a lot of money.


Dosh is an app that will be linked to your credit and debit cards. Every time your swipe the card, you will get a reward on the Dosh app. It works in several locations in the United States.

Here’s how much you can get while shopping at some popular locations.

Guess: 5% 

Walmart: 3%

Jiffy Lube: 10% 

Bed Bath & Beyond: 7%

Target: 1.5% 

Walgreens: 6% 

Patagonia: 6%

Exxon Mobile: 2%


Rakuten is a simple to use Cash Back service. It’s very beneficial if you shop online. Rakuten will analyze your shopping cart and apply coupons to your order. It will also give you some cash back after you make a purchase. Thus, it reduces your bill amount and also gives you some cash back. You can transfer all these extra dollars to your vacation fund. 


This app is simple to use — you just have to send a picture of your grocery receipt to Ibotta app. You can get some dollars back every time you buy groceries. The cashback amount will be deposited into your Ibotta account immediately.

Sweat Coin 

The SweatCoin app pays if you walk outside. The app will count your steps and use the phone GPS to check your location.

Scott’s Cheap Flights

On Scott’s Cheap Flights, you can add your home airport and the vacation destination to get deals on cheap flights. Most deals are 40% to 90% off. On average, a person will save at least $550 per flight. 

We sincerely hope these holiday hacks to have a debt-free vacation will help you have a fantastic break with money as the last thing on your mind. Happy holidays!

Was this helpful?

Did you like the post or would you like to give some feedback? Let us know your opinion by clicking one of the buttons below!

Richard Samuel

Richard Samuel

E Richard Samuel loves learning. From finding out the newest food in town to traveling and writing, he loves learning about everything. When he’s not writing, he’s probably trying to master the piano or watching food reviews.

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

Related Posts

debt negative impact

The demonization of debt and its negative impact

With the rise of social media as a source of information, it is easy to get carried away in the waves of trends and financial advice that one is presented with. But what is the reality of debt? Read on to find out.
debt tracker

Get rid of debt with a debt tracker

Unpaid debts can affect your credit score and become a hindrance in the path of acquiring loans or opening accounts. A debt tracker keeps a record of your debt; it can be in the form of a notebook, application, or spreadsheet.
get rid of debt

9 ways to get rid of your debt

The term getting rid of debt doesn't mean that you pay back the entire debt fastly, it means that you get rid of the higher interest rate debt and eventually reduce it. If you do not pay back your debt on time, it can diminish or reduce your credit score which will further create hindrances for you for getting more debt.
medical debt

Medical debt: Right methods to repay it

Medical debt has also made people avoid medical care. This has made people develop complex and severe untreated physical and mental health problems.
debt management plan

Debt management plan: Is it for you?

Are you overwhelmed by credit card debt? Here’s a way to pay them within five years.
debt relief

Burdened by debt? Here’s how debt relief can help

The scariest 'd' word can take you off a good financial course. What can debt do, you ask? Here’s what debt can do to you: It can eat up all your savings and use up all your monthly income. The heavy interest rates can keep you indebted for many years causing a lot of mental and physical stress, leading to breakdowns and health problems.

Save big on auto insurance - compare quotes now!

Zip Code:
Zip Code: