Avoiding credit cards and spreading the cost throughout the year can ease post-holiday debt

Money experts recommend having designated holiday saving funds to add into throughout the year. Photo: Getty
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?