The "affording holidays" concept is an interesting one.
When I lived with my ex he earned a good wage and yet we hardly ever afforded a holiday. We had one in the space of a few years.
I have been with DP for 4 years now. In that time we have been on 5 holidays abroad. And we actually have a smaller household income that used to be brought in when I was with my ex. My income has stayed pretty static throughout - I work for a charity doing a job I enjoy for a pretty low wage.
The difference is our outlook. DP is pretty obsessed with holidays DD ( age 20, who lives at home) has joined in him in this and together that spend a lot of time looking up and planning family holidays for us. (I leave that part to them - I just enjoy the going on them part!) They are package deals, booked through high street travel agents (may not be everyone's cup on tea - have seen these types of holidays dissed quite a lot on Mumsnet - but we love them) and we book them a year in advance and spend the year paying them off, as if they are another household bill. To us, they are. DD contributes - she works and pays her part.
At home, we have everything we need and enough to eat but we do not live in any kind of luxury (I know that it as relative term) or go out very much and there are many other things we could be spending our money on re the home and garden or on nice clothes. We do none of that. It's just "stuff" - we prefer to focus on having an nice holiday to look forward to and making memories.
In the past 4 years we have been to Turkey twice, Egypt and Ibiza. We are off to Turkey again (we love it) in September.
We budget carefully and don't buy any of them on credit. We don't have a credit card amongst us.