Page 2 | AIBU to spend £2k of £35k savings on a holiday?

Ladygregory1 · 2026-05-22T09:16:31+00:00

AIBU to think if you have 35k in savings that it’s ok to use 2k towards a holiday?

Sensiblesal · 22/05/2026 13:23

Ladygregory1 · 22/05/2026 10:28

can I ask why? I do feel it’s the wrong thing to do but I can replace it over 6-8months

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I think you are being entirely sensible, you have a healthy balance.

if your holiday was in say 8 months, it would effectively be the same as paying for it monthly.

I add an amount to my savings every months for my holiday fund then usually use my bonus for the two main holidays. Put too much away this year into savings whilst I was deciding & I fully understand that mental wrestle you will have been having.

saw you have booked & hope you have the most fabulous time

Blondiebeachbabe · 22/05/2026 13:23

Eh? I'm pretty sure that most people who do go on holiday don't have £35k in savings. This thread is weird.

cantthinkofagoodusername1 · 22/05/2026 13:14

Sounds to me like you would be striking a nice balance between enjoying life now and planning for your future.

whyohwhyisitalwayswet · 22/05/2026 13:12

Ladygregory1 · 22/05/2026 10:24

It’s not really retirement savings. I’m nowhere near retirement age it’s just savings. rainy day fund or big emergency fund, job loss fund etc. I just thought it would be easier to take the 2K out of it and now I feel a bit bad.

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What are savings for if not for fun experiences! Go for it! And, enjoy!!

Blondeshavemorefun · 22/05/2026 13:04

That’s what savings are for

to be used on something nice

or in extreme you die and never enjoy spending them and go to your dc etc

LlynTegid · 22/05/2026 13:04

I think depends on the holiday in my opinion. Visiting somewhere with an event that is rare or you might not be able to get to otherwise would be a definite yes for me.

ilovesooty · 22/05/2026 13:02

You're comfortably off seemingly
Do what you want.

Jellox · 22/05/2026 12:59

JustMyView13 · 22/05/2026 12:22

When I say about money being tight, I’m talking about having nothing left. Rather than little.

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Yes I agree, when you grow up with very little money it’s natural to not want to ‘waste’ it and feel guilty for doing so.

ThriveAT · 22/05/2026 12:59

Up to you

Jellox · 22/05/2026 12:56

£33k is a massive amount in savings!!

I don’t know anyone that has that amount.

So yes go on the holiday!! 😁😁

Where are you wanting to go?

SummerFleurs · 22/05/2026 12:53

After reading your original post and all subsequent ones, it sounds like you financially can afford it and return to your savings amount in a short space of time.

I get how you feel though. I got a new job 8 months ago with a significant pay rise, this meant I could have a substantial budget for both savings and a holiday fund. Yet now I feel guilt of spending my holiday fund. I’ve spent some, but about 50% of what I’d allocated. It’s definitely a mindset and one I need to somewhat adjust too.

KnittyKnotty · 22/05/2026 12:40

Totally up to you, some people with £5K of debt would happily bung another £2K on their credit card to go on holiday.

Amilliondreamsisallitagonnatake · 22/05/2026 12:27

It depends on circumstances. Is your job relatively stable? Are you a dual income household? Do you foresee any major expenses coming up? Are you insured for emergencies (need less available)?

JustMyView13 · 22/05/2026 12:22

EarthaKittsVoice · 22/05/2026 12:05

The flip side to this is growing up in a home, where money was tight but life was lived. So, bills paid, food on table and more in kitchen, plus being able to put the heating on. Whatever is left is to be enjoyed on experiences. No need for guilt

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When I say about money being tight, I’m talking about having nothing left. Rather than little.

Hmmmmwineandchocs · 22/05/2026 12:20

ThisJadeBear · 22/05/2026 10:31

If you are young, healthy, steady employment..
Go on the holiday. You’ve earned it!

This. You only live once.
I save a lot into my savings so i can go on holiday 2-3 times a year.

Oohanothername · 22/05/2026 12:13

You can't take it with you. No pockets in shrouds. Etc etc. as long as you have an emergency fund then creating memories and living your life is more important than money in the bank. Enjoy!

Tooprincipled · 22/05/2026 12:13

Go on holiday, life is for living. When you are old, in poor health and are sat on a pile of money that you can't enjoy and the taxman is going to take, you'll look back on your life and wonder why you didn't make the most of it x

Thingsthatgo · 22/05/2026 12:09

we have about that much in savings, and I am not touching it because I am saving for our DC’s university (they will only get the minimum loans). If, however, I didn’t have a savings goal I would probably pay off some mortgage and go on a lovey holiday.

LittleRobins · 22/05/2026 12:09

My husband is so frugal he would say no. I on the other hand say sod it, you only live once and you can’t take the money with you when you die! It’s not like you’re blowing it all, you’re leaving a sensible percentage. Have a great holiday!

AlternateLook · 22/05/2026 12:08

No you're bloody well not. I'd say you should take another £3000 for spending money, just to round it down to £30000. Everyone deserves a well earned holiday.

EarthaKittsVoice · 22/05/2026 12:05

JustMyView13 · 22/05/2026 11:06

It’s pretty common for people who have grown up in a household where money was tight. Not saying that’s the case for OP but speaking from experience.

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The flip side to this is growing up in a home, where money was tight but life was lived. So, bills paid, food on table and more in kitchen, plus being able to put the heating on. Whatever is left is to be enjoyed on experiences. No need for guilt

Forestgreenblue · 22/05/2026 12:04

Go on holiday! We save every year for a holiday but also have residual savings

I spend my working life in and out of care homes (that’s my actual job) and I often think how short life really is. The one thing I will never regret is taking holidays

Happyjoe · 22/05/2026 12:01

It depends. If it's a holiday just because you fancy it, prob not, I'd save up for it instead for next year. If it's a holiday because you're fed up, really need a break from everything or something to look forward to then yes. That's what rainy day funds are about, when times are harder. Doesn't just have to mean financially, like losing a job, but mentally too.

EarthaKittsVoice · 22/05/2026 11:58

DirtyGertiefromno30 · 22/05/2026 10:35

So are you having second thoughts 🤔

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I think sometimes when you're saving and not spending big amounts often, it can feel a 'woah, hold on' when spending a large amount in one go.

The OP can 'spare' £2000 it's just down to one's relationship with money

winterwarmer8274 · 22/05/2026 11:53

You sound like you actually have a lot more savings then 35K (saying you have separate pension fund separate kids fund etc), so yes I would spend it and then quite a more more!

If 35K was all the money I had in the world, then I would be more cautious.