Vacation Planning? 5 Tips to Save Time and Money

Whether you’re traveling overseas or closer to home, you want to enjoy your vacation without busting your budget. Here are five tips to help you plan smart, save money and make your journeys more enjoyable.

  1. When a Travel Agent Makes Sense

A quick trip to the mountains takes less thought than a jaunt across the ocean, so plan accordingly. While the Web has plenty of resources to snag deals on your own, there are times when you might want to consider using a travel agent, which can be a real time-saver, and in general, costs about the same as a do-it-yourself booking. Travel agents have exclusive access to get better deals on hotels and airfare and a wealth of information about potential destinations. This is especially helpful if you’re traveling internationally. Check out the American Society of Travel Advisors to find a reputable agent who specializes in the type of trip you want to take.

And don’t forget travel benefits that may come with your credit card. For instance, SchoolsFirst FCU Mastercard® Rewards Card1 features Lifestyle Managers free of charge who will help you find special deals, make personalized recommendations and book your travel.

  1. Put Your Credit Card to Work

Many seasoned travelers use their airline or rewards credit cards for everyday purchases like gas, food, clothes, etc., to take advantage of earning points or rewards to redeem for airfare, hotel stays and more. Most credit cards come with generous sign-up bonuses, so you can use those points toward your next vacation.

Caution:  To use a rewards card for everyday spending, be sure to pay your bill off monthly to enjoy your card’s benefits without accumulating debt. Rewards and travel cards typically come with higher interest rates, so if you can’t pay your balances monthly, you’re better off getting a low-interest rate card and paying down your debt.

  1. DIY Travel Preparation

There are tons of online travel sites, but how do you separate the best from the rest? TopTenReviews has researched and aggregated the Best Online Travel Sites of 2019. Don’t overlook user reviews for lodging, restaurants and entertainment. For instance, TripAdvisor has more than 730 million reviews and opinions about travel listings worldwide that make planning trips easier. If you’ve waited until the last minute to book something, travel sites do offer some inexpensive vacation packages for procrastinators.

  1. Go Directly to the Source

When booking airfare or lodging, sometimes it pays to go directly to a company’s website rather than a third-party travel site. Many major hotels offer a best rate guarantee, so if you book a room and find a lower price somewhere else, the hotel will drop its rate or match the rate, and it’s easier to get nice extras such as room upgrades. If you book directly on an airline’s site, you’ll have to book ahead to get the best pricing which varies by the season. According to, the prime booking window ranges from about four months to three weeks in advance, depending on where you’re going.  But if you need to cancel or change your flight, you usually won’t be charged fees that many third-party sites charge and the customer service is good if you have special circumstances you need help with. Some third-party sites can be iffy when it comes to good customer service.

  1. Car Rental Loyalty Programs

Even if you rent a car once or twice a year, consider joining a loyalty program, which comes with incentives such as free upgrades or rate reductions. However, the best benefit comes down to one little word:  time.  As a member, you’ll avoid the long lines and  the usual sales spiel designed to beef up your rental costs by adding  features you probably don’t need, like additional insurance, a navigation system or satellite radio. Your information is kept on file and you can get your car quicker; sometimes you can just go straight to your car and find your keys in the ignition. Check to see if your credit card offers specific coverage for rental cars. For instance, the SchoolsFirst FCU Reward, School Employee and Inspire Mastercards offer a car rental collision damage waiver, in case the vehicle is damaged or you get in an accident.





  1. SchoolsFirst FCU’s credit card program features a range of interest rates based on a variety of factors, including the applicant’s credit rating. As of 4/25/19, Inspire credit card rates range from 10.75%-17.90% APR; School Employee credit card rates range from 9.75%-17.90% APR; and Rewards credit card rates range from 13.75%-17.90% APR. Rates are subject to change, are variable and subject to increase after account opening. Prior to account opening, the quoted rate may change without notice. After account opening, the rate is fixed for a minimum of one year, subject to change thereafter. Foreign transaction fee: 2% of the transaction in U.S. dollars for School Employee, Inspire and Share-Secured credit cards.

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Extra Credit provides general information to help improve our Member’s financial lives. Every situation is different, so please contact us for guidance on your specific needs. The advice provided in Extra Credit is not intended to serve as a substitute for speaking to a loan representative, financial advisor, or GreenPath Financial Wellness counselor who can help tailor a solution for you.

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