I know the argument about not giving the IRS an interest free loan, but I have found the most painless way to save for the annual vacation is having "too much" income tax taken out of my paychecks. Then, each Spring, I get a juicy tax refund, just in time to plan and pay for the family vacation!
Honestly, when you don't see it in your take home pay, you don't really miss it.
Honestly, when you don't see it in your take home pay, you don't really miss it.