Holiday or no holiday

No I won’t. Kids will always want holidays, treats, toys etc because they don’t fully understand the value of money and saving for future needs. Please don’t ever feel like you are shortchanging your kids just because they don’t go on exotic holidays, or compare yourself with other families. It is far more important to ensure that there is money for emergencies, education needs, future retirement needs. There are other ways to have a good holiday eg weekend stay at neighboring countries like JB, Bintan. Or just have fun excursions to various places in Singapore.

Ideally your savings for the future and savings for when you want to treat your family should be different. If you want to save and still want to go on a holiday with your family, I think it should be done that way. It’s okay to indulge from time to time, just make sure there’s still a safety net after you do so.

What we do as a family is make a plan on the places we want to visit and save up for it. We would do a preliminary check as to how much the holiday would cost and see how it weighs against our other planned expenses for the year. If our dream location is still out of budget, we just move it to the next year.

There are alot of holiday destinations that doesn’t require you to spend alot & i’m sure your kids will still enjoy & will love it. Going for a holiday doesn’t mean spending alot. You can still go for a budget trips 😊 or you can spend some activities locally.

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a dream holiday can always happen, as long you have plans and save up for it. it doesn't need to happen now. how about going for a holiday to some where near first? after all, it's the bonding that's more important.

I would absolutely not blow up my savings on a dream holiday - the stress of money doesn’t make it worth it in my opinion

Budget wisely for the holiday. You don’t want to spend needlessly and end up broke when you need the cash.

Spend wisely. Always save for rainy days

save it for future