Stick to your guns cherryelm. I manage to go away, usually cruising, three times a year. Have no debts or HP. I don't, however, drink or smoke. I drive older cars which I pay cash for. You make decisions on your life and what is important. I like to travel. I give up lots of other stuff to do it. Yet people who have HP, new cars, drink a lot, etc. call me "lucky" and think I am fiddling at work to pay for it. Life's about choices and I have made mine. You can't take it with you and time spent travelling is never wasted.