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Originally Posted by Dopey
My feeling is, if you have to finance it, you can't afford it. No matter how they twist the numbers and incentives. Right? 
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you know what, I tend to feel this way too. My trips are paid for before I go (I mean credit card they were charged on are paid for

) and I have my cash for spending - I'll put my purchases on my Disney visa to get the points but pay it off when I get home.
I can seem to enjoy the vacation more when I don't have to worry about can I really afford it.