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21/8/2023 at 9:08am
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We had been going to the same cottage for new year for several years. Last year the increase was a “push” for us but we did it. This year it’s more than double what it was when we started going, so we won’t be – looking on the website someone else has booked it already anyway.
In the face of massive inflation across the piece (especially in exponential things like food and energy bills when you have children), post lockdown many families have really struggled to build up enough reserves to have a holiday, and, as such many children have missed out on this very important part of growing up.
Combine this with having to take holidays during school holidays (where things are far more expensive and still increasing), the average cost of giving children this valuable experience is exceeding the amount many are able to put back monthly.
If you can take a short term loan to finance the holiday then so be it - even if its the difference between sitting in a soggy tent in Rhyll and a nice beach in Spain,
I would encourage those who are desperate (and can afford the repayments) to take this option -a fixed amount with a fixed term- rather than a credit card, which by its very nature is designed so that people get more and more and more into debt (and subsequently possible problems).
We are lucky enough not to need to borrow, or need a credit card -we get protections on our bank account anyway nowadays- but I think it’s a bit unfair to sit in judgement over those that do.
Instead, I’d rather wish them a good holiday and hope it has valuable returns in terms of investment into family time, even if there’s nothing that can be physically shown at the end of it. Families that spend more time together have more chance of staying together, and that can be worth more than a car or a new sofa.
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03/9/2023 at 1:51pm
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As I said in my original post, I was simply surprised to find that there were loans specifically for holidays.
I'm in my 70's and was brought up, like many others, in a time of, if you can't afford it, you don't get it. Apart from a mortgage which was trifling by modern standards and paid off long ago, I've never relied on credit.
We're off on holiday next week and I'm paying with my AMEX card so that I will earn 'air miles' which will go towards future travel. I pay my card off in full each month, so no interest.
However you do it, I hope everyone has had, or will have, a good holiday this year.
-------------
Two drifters off to see the world.
I'm tired of reality, so I'm off to look for a good fantasy.
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05/9/2023 at 10:45am
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Quote: Originally posted by Mitchamitri on 21/8/2023
Modern generation was brought up by our generation, we seem to forget that.
Thats irrelevant. Once kids get to 20+, if they are 'earning', they do what they want with their money. You, may have been the most frugal man - or woman, on the planet (though this alone would send them flying in the opposite direction), but your kid(s) will think and act differently. Where you scrimped to buy your first house, made do with whatever floor-coverings were left, and collected old tat furniture from whoever was good enough to let you have their old stuff; todays 'kids' starting out are having none of this austerity. They want smart new-ish homes, new carpets and soft furnishings, and new furniture to top it off. If its on 'tick', well thats how it is. They are essentially starting halfway up the ladder from you or I. Being skint to them means only having the one car, maybe only 2 tellys, and no more than a couple of holidays a year. I kid you not. That is where things are at today.
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via mobile 20/8/2023 at 10:45pm
