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Share your dilemmas and get honest opinions from other Mumsnetters.

Why do people go into debt to go on a holiday

58 replies

Bluecatblu · 14/12/2024 00:03

Genuinely don’t understand why people, who are already in debt, will fund their holidays with their credit card. Stressing how you’re going to pay the bills for 50 weeks in exchange for 2 weeks of sitting in the sun.

OP posts:
CoffeeCakeAndALattePlease · 14/12/2024 17:23

ConsuelaHammock · 14/12/2024 17:10

So lack of patience and delayed gratification? That’s what I thought. Beneficial to the economy but means a lot of people will say they don’t have any money when actually they’re just spending it before they’ve actually earned it. Sounds like a bit of a poverty trap?
As I said before the poor plan for the weekend. Which is why they remain poor. Must be a mindset .

Yes, pretty much.
works for me but appreciate it’s not how everyone wants to do things.
I booked 3 holidays for next year on 0%…. 2 fully paid and the other 1 about half paid now.

Dimdam · 12/07/2025 18:43

Self entitlement and hedonism, if you can afford it then don’t go. and don’t buy things you can’t afford, harder to buy the things you need.

My mortgage is paid, don’t drink or smoke. I do pay on the card for extra safety but always clear card at the end of the month

PS Not, all holidays are sitting in the beach baking in the sun. I rode a motorcycle sixty thousand miles through Europe on my own, wild camping in Russia and Scandinavian, beach holidays are my ideas of hell unless I’m scuba diving or playing about in boats

PapaPerspective · 12/07/2025 18:45

I've started a thread calling out right folk. But I wouldn't get in debt to go on holiday. I couldn't enjoy the holiday properly if it had put me in a bad situation financially

Screamingabdabz · 12/07/2025 18:51

We did this when our DC were little. If we’d waited until we could afford to save, our kids would have grown up and we’d have never had those precious memories.

We are paying it all off now they’re young adults and although debt is a bummer, I’d never regret it. It bought us priceless family times at a time when we couldn’t afford it, but couldn’t afford not to.

ShinyAppleDreamingOfTheSea · 12/07/2025 19:04

Dimdam · 12/07/2025 18:43

Self entitlement and hedonism, if you can afford it then don’t go. and don’t buy things you can’t afford, harder to buy the things you need.

My mortgage is paid, don’t drink or smoke. I do pay on the card for extra safety but always clear card at the end of the month

PS Not, all holidays are sitting in the beach baking in the sun. I rode a motorcycle sixty thousand miles through Europe on my own, wild camping in Russia and Scandinavian, beach holidays are my ideas of hell unless I’m scuba diving or playing about in boats

Why resurrect a thread from 6 months back,
where OP disappeared anyway. To show us all how perfect you are?

BrutalOutHere · 12/07/2025 19:07

Life is short. People have different pleasures, priorities, values. It’s not that hard to understand, is it?

StMarie4me · 12/07/2025 19:09

Because they need one? Because they can? Because your normality is not their normality.

Stop judging people.

theduchessoftintagel · 12/07/2025 19:26

Because life with working full time just to pay the bills is an unrelenting grind and people take a risk with credit to have something to look forward to.

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