Vacation FOMO Is Real. But Debt Doesn’t Have to Be Part of Your Summer 

Is your timeline full of palm trees, boarding passes, and out-of-office captions right now? Because mine is. Every scroll lately feels like another reminder that summer is happening somewhere. And if you’re not on a beach or headed to the airport, it can feel like you’re missing something. 

That little tug on your heart and wallet? That “should I be doing more?” feeling? That’s vacation FOMO, and it’s real. 

Let’s talk about it. 

The Pressure to Perform Summer 

We don’t always talk about how expensive summer can feel. There’s a pressure to perform, to show that you’re resting, relaxing, traveling, and “living.” For many of us, particularly those who have been diligently working throughout the year, the desire to reward ourselves with a vacation becomes a logical choice. 

But here’s the truth that doesn’t always show up online. 
Some people are paying for those vacations up front. 
And many people aren’t. 

Many are putting the trip on credit cards or using Buy Now, Pay Later services to split the cost. And while that can feel more manageable in the moment, it often means the vacation follows you home in the form of debt. 

Buy Now, Pay Later Still Means Pay Eventually 

BNPL is one of the most common ways people are funding travel right now. It’s fast, it’s convenient, and it feels better than watching a chunk of your checking account disappear. 

But when you’re already juggling groceries, bills, gas, and other payments, those extra “small” installments can sneak up on you. 

Just because a payment is broken down into four parts doesn’t make it free. 

Debt doesn’t mean you’re irresponsible. Sometimes it just means you were doing your best to make joy possible in the moment. But eventually, those payments can pile up. And that’s where the conversation has to shift. Instead of focusing on guilt, the conversation should shift towards providing support. 

How National Debt Relief Can Help 

You’re not alone if you’re feeling the burden of past trips or other unexpected debt. 

Sometimes that dream vacation that was supposed to be a break ends up adding stress when the payments follow you home. Many people quietly carry old trip balances or Buy Now, Pay Later payments for months. It doesn’t mean you did something wrong; it just means you might need a better plan for paying it off. 

National Debt Relief helps people understand what they owe and take the stress out of paying it back. They work directly with creditors to lower what you owe and help you pay off multiple debts with one monthly program payment that actually fits your budget. 

So if a past getaway is still showing up in your bank account every month, you don’t have to handle it alone. There’s a way to move forward and get back to enjoying the life you’re building without old debt holding you back. 

How to Enjoy Summer Without Breaking the Bank 

So what does a joyful, grounded summer look like without a credit card statement attached to it? 

Here are a few options that still feel like rest and fun, without the debt that lingers: 

• Explore your city like a tourist. Check out free events, museums, live music in the park, or trails you’ve never tried. 

• Plan a backyard brunch or a potluck. Add a theme, a playlist, and a little intention. 

• Use a day pass. A nearby spa or hotel pool can give you the recharge you need without the cost of a full trip. 

• Rest. Like, really rest. A weekend of sleep, journaling, or doing absolutely nothing might be exactly what your nervous system needs. 

• Start a travel fund now. Even small weekly deposits into a separate account can turn into next summer’s dream trip without the guilt.

You’re Not Behind 

It’s easy to feel like everyone else is doing more. However, the information presented online rarely provides a complete picture. You’re not behind because you’re choosing to protect your peace. You’re not behind because you’re saying no to unnecessary debt. A vacation should never cost your future stability. And if you’re already feeling like things are out of control financially, there is help. Summer should feel like ease. Not high-interest debt. Freedom is still possible, and peace is still available.