The plan you formulate is only as good as your ability to apply that plan. This is no different with planning for a vacation. Oftentimes it is the little things that eat away at your financial margin preventing you from saving for something like a vacation. Now, of course, we all have them, but it is important to actually build a plan to save up for a vacation and stick to it. Looking at four key areas, this will help you determine what you are saving for. Figuring out how to save up for a vacation instead of using debt to fund it, will prevent that vacation from causing undue stress.