From Goa to Europe: How to Travel Yearly Without Credit Card Debt

The Post-Vacation Debt Hangover

When a holiday is charged to a credit card, you spend the next 6 months paying for an experience that is already over.

The 10-Month Sinking Fund System

1. Pick the Destination & Price It: Suppose a trip to Vietnam costs ₹1,50,000 for two.

2. Divide by 10 Months: You need ₹15,000 / month.

3. Automate on Salary Day: Set a recurring transfer into a dedicated Liquid Fund or High-Yield Savings Account.

4. Book Flights & Stays in Cash: As milestones arrive, pay directly from the travel bucket.

International Forex Tip:

Avoid traditional bank cards that levy 3.5% foreign currency markup + 18% GST. Use modern zero-forex markup credit/debit cards to save ₹5,000–₹10,000 on every international journey.