It’s essential that you plan for tomorrow’s event. Christmas should never take you by surprise! We must plan for expected events including shopping sprees, gift giving, and for hosting a soirée. You can use this calculator to plan for that extravagant vacation next year. Investigate the total costs: including travel, hotel, excursions, meals, and etc. For the next 12 months use this Calculator and divide the cost equally across 10 months of savings, then you can use the remaining two payments as your spending cash. Just like magic you’ll be paying for your wonderful vacation in cash. No need to be hesitant about receiving a bill a month later. Happy traveling!!