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Vacations are great, but if you’re working on paying off debt or saving up your emergency fund, stay focused. Once you’re debt-free, you’ll be able to save for really nice vacations and pay cash. Use that as motivation to pay off your debt quickly. But don’t forget, you still need to budget for it. I still budgets for my trips. The best kind of vacation is the one you’re not still paying for after you’re back home. | Dave Ramsey
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Working my plan (the 7 Baby Steps), the average person can pay off all their debt in 18 to 24 months. Some folks can do it faster, and for some, it takes a little longer. But during this time, your financial focus should be on nothing but getting out of debt. Once that’s done, you’ll find you have a lot more control over your biggest wealth-building tool—your income. | Dave Ramsey
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