'Dealing directly with hotels can be more cost-effective than third-party booking sites' - money experts reveal how they pay less for their holidays

"Avoiding credit cards and spreading the cost throughout the year can ease post-holiday debt It's the time of year when summer holidays are on the minds of many. Planning for a summer getaway as the rain pours down or the dark nights close in can be a great way to escape the winter blues. But how do money experts approach holidays?"

"We would all like to be going on many trips every year but often finances may not allow. So do you borrow or save and how do you make sure you get a trip away each year?"

Avoiding credit cards and spreading the cost of holidays throughout the year can reduce the likelihood of high post-holiday debt. Planning ahead and treating travel as a regular budget item allows people to build savings gradually and avoids last-minute borrowing. Setting up a dedicated travel fund, allocating a fixed monthly amount, and choosing off-peak dates or lower-cost destinations can make annual trips affordable. Prioritizing travel within household budgets and tracking spending prevents overshoot. Combining advance planning with disciplined saving helps ensure a trip each year without relying on high-interest credit.

Read at Independent