to be cross sbout hypothetical holiday possibilities?

[TaggieCampbellBlack]

Hypothetical as I sincerely doubt we'll ever actually afford a big one.

But.... On the off chance........... If............. (oh and it's a very doubtful big IF)............ If DH got a bit of a redundancy payoff.........

Would you...

A. Pay off credit cards and small overdraft. Save any left over.

B. Pay off said debts and have a budget holiday.

C. Blow the lot on a One Off. Lifetime Trip. Massively special, never to happen agsin, Ever type holiday.

Actually very hypotheticsl as I don't think he'll get more than £2.50...

I would do A because the job situation is dire at the moment.

B

Pay off all debts and have a holiday on what's left.

Boring, but makes sense. You can save up for the special holiday.

B would enjoy holiday more not worrying about debts.

As much as I want to say C I'd probably do B. If you've paid your debts off you can save for a brilliant holiday instead of a budget one.

A, and then if he managed to find work again quickly we could look at how much was left and possibly go on a holiday with that. Although we would probably spend it on the house instead.

But hypothetical C would be so much more exciting than hypothetical B.

I think a, but maybe b.

Yes, of course but would hypothetical D result in great suntan but no job?

Ridiculous unreal stupid hypothetical holiday arguments over stuff that will never happen. Fuelled by celebratory red wine relief. All a bit daft.

We have these discussions all the time!

A deffo.

It makes sense and it puts you in a better light (with banks though I'm sure they'd rather have people owing money to get the interest)

I couldn't enjoy a blow-out holiday knowing that I could've paid debts off.

Or if I had that sort of money I'd get something really nice for the house that will last longer than a holiday.

B

But that depends on how budget you mean by budget, and how big and special option C would be.

What are you thinking?

Ugh need to know more...Got kids for instance?

If just 2 of u, then actually I'd go C. U probs have time in life to pay off debts.

If kid or kids then sorry but B. Unless u can come up with a proper plan to achieve debt pay off and do C.

Given that DH was out of work for ages after redundancy and has now been told redundancies are expected again, it would be A for us.

Heart says C
Head says A

But I would probably do B.

Yes. Head says A. If any left over it goes in the bank.

Heart says bollocks to it. If we get a chunk why not blow it. We'd never ever get a chunk ever again.

Reality says just stop and thank the lord we have health and a roof and my job.

A.

B or c would be tainted for me knowing the money would be better used elsewhere.

Different if he gets another job straight away.

I would want to say C but would worry in case holiday of a lifetime does not live up to expectations.

Then we would be broke and depressed.

If (hypothetically) he got another job does that change your A, B or C?

A.

I would start with A.

If he then got another job really quickly so the savings were not exhausted then I would maybe think about B

Although probably not as not having any savings means that you are constantly at risk of something happening that pushes you back into debt. Debt scares the hell out of me. To be honest I even struggle with the idea of having a mortgage.

C without doubt

But only because I have no debt. Would fight the urge to be sensible and save some

i'd pay off some debts and have a good holiday

If he got another job, B.

Or a compromise between B and C. You only get one chance at this life. What will you be thinking about when you're living your last few days? That you're glad you paid all your debts off early, or that your glad you had special experiences with those you love the most?