How do I tell friend I cannot go away ?

[rolandratiloveyouroland]

we are in financial difficulty. I do not want to tell anyone that is the reason for not going away. We have a super holiday coming up over xmas, we paid for that in full over a year ago, before things got really bad. To not go on the upcoming holiday would mean losing the money as too late for any refund. So we will go (it's all inc so spending money should be very little). My friend will then say something along the lines of '' you can afford to go your super holiday but not one with me''.

What do I say to friend ? she will be more than pissed off at me.

Yes, friend, I can only afford to go on the holiday paid for before everything went up so much.

This

its really not that hard.

friend - fancy going away again this year?
you - I’m so sorry but I’m wiped out because of X! Y and Z… and have a holiday booked already and can’t justify anything else for a while…

if she gets huffy and pathetic about it then sorry but she isn’t your friend!!

Tell her a family member is paying for you to go .

You don't owe her an explanation. “Sorry it won’t work for me this year” is enough.

How is she a good friend when a) you can't/don't want tell her about your troubles and b) she wouldn't be understanding?
Hope you can work it out.