The Vacation Not Taken

In a preemptive move after last year's excessive holiday spending, I started saving the vacation pay off of every pay cheque. I started my savings on August 31st. I have just been paid to July 31st. One year's savings have accumulated. 

One year of slow but steady saving has resulted in a grand total of $1,475.92 sitting in a little nest egg with the words "vacation pay" noted on each and every deposit.

In the grand scheme of things it is a pretty small amount. But if I hadn't put it aside, this very same amount of money would have been eaten up by day to day living. I am quite certain my chequing account would not have ended up with an excess equal to this amount. In my brain, chequing accounts = spending accounts. Money simply passes through and the goal is to keep it in the black (which normally results in a balance quite close to zero). 

Yes! I have a little vacation fund!! Yay, me!!!

Here I sit in my quiet little COVID world, spending little, going out less and quite enjoying the long harvest this year. I have spent many months squirreling away my acorns for a "winter" (aka: vacation) that is not on the horizon.

Do I long for time off? Yes. Do I wish I had vacation plans? No.

My thoughts continue to swirl around and focus on our home and the bathrooms that never got updated in the Year of Renovations. I think how fast $10,000 would go if we tackled a bathroom and I am quite happy to sit home and continue doing what I am doing.

I ponder the day when my 18 year old car will need to be replaced. Never in a million years would I replace it with a brand new vehicle but again, $10,000 would disappear very quickly when looking for a newer, reliable car.

I know the world is becoming restless with social distancing advisories, ever-increasing cases of COVID-19 and coming to terms with the realization that our "new normal" is unlike anything we have experienced in our lifetime.

I also realize our economy would be in real trouble if everyone in the world was content to stay home and squirrel away any excess they may find in their already sparse budget fearing the long, cold winter which may or may not be the result of this strange new world we are navigating. 

But I'm not adding to our country's deficit and I am paying my own way. So I am playing a small part in not worsening the state of our economy.

Another year of saving may result in doubling today's figure. One year in our future, a vacation may be something I would consider. The truth of the matter is we have absolutely no idea where we may be one year from now. Who would have ever predicted today's reality?

To save or not to save. That is the question.

I love the idea of my vacation fund. This small little savings account allows me a place to dream. Just a little. The vacation not taken this year will provide an opportunity for something else to step in, in its place.