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June
2008






















Life Goals

How to Ask the Big Questions
When Planning a Family Vacation
From Family Fun

At the outset, organizing a family vacation can seem as daunting as landing a probe on Mars. Better to stay home and watch the Discovery Channel, you think — maybe toast a few marshmallows in the fireplace.

The truth is that planning an adventurous vacation can be fun, especially if you prepare for it in advance and involve your kids. The onerous part is remembering all the things you have to think about.

That's where we come in. This introduction covers family travel from A to Z, from deciding where to go, to getting there and making the most of your vacation. Some of this may seem like old news to you, but we want to make sure you don't forget a thing.

How much do we spend?
Chances are, you already know approximately what you have to spend on a vacation — and you've already got a modus operandi when it comes to money matters. Maybe you're a family that carefully figures a budget, then finds a vacation to fit it. Or maybe you're the type to set your heart on a once-in-a-lifetime trip, then scrimp and save until you can make it happen.

Determine the type of trip you will take. Before you even start your planning, take a moment to consider: what kind of trip are you taking? Are you splurging on a dream vacation, or conserving on a semi-annual getaway? What aspects of this trip are most important to you?

Budget carefully. Once you know what those broad parameters are, the next step is to think through your vacation budget in detail — if not at the outset of planning, then at an opportune point along the way. When you know what you have to spend, you'll make quicker and less stressful decisions en route and you'll be able to pay the bills without a grimace once you get home.

When can we go?
Scheduling your vacation well can make a big difference in everyone's experience of the trip.

Consider each individual. Most likely, tight school and work schedules will decide when you travel — but if possible, aim for a time slot that allows everyone to relax. For instance, an action-packed road trip sounds exciting, but it might be just the wrong medicine for a parent who's squeezing it into a packed work schedule. End-of-summer trips may be tough for kids with back-to-school anxieties, and midyear trips that snatch kids from school sometimes cause more trouble than they're worth.

Where do we go?
Make a list of destinations. What hot spots intrigue your clan? What adventures would you like to try? Draw up a big list, and don't worry about coming up with too many ideas — you can return to this list year after year. Here are a few trails you can follow: relatives, friends, and coworkers (who love to report on their own successful trips), a professional travel agent, local chambers of commerce and state tourism boards, and magazines, the Internet, and local hotels and outfitters in the geographic areas you're interested in.

Evaluate your family. A good vacation has to accommodate everyone in the family, no matter what their ages, limitations, or interests. While no destination will make everyone happy all the time, you should search vigilantly for those that offer a niche for each family member.

Involve your kids. The more involved your kids are in planning — especially during these early, brainstorming stages — the more likely they are to work to make the trip a success.

Experiment wisely. While experimentation can add spice to a trip, too much may overwhelm your kids (and you). If your child has her heart set on horseback riding, for example, make sure she tries it out at home before you put down a deposit on a dude ranch vacation.

Check the season. Be informed about travel conditions for the time of your trip and make sure you're not heading for trouble (hurricane season in Florida, for example, or black-fly season in the Adirondacks). This is especially important if you're cashing in on off-season deals.

Schedule appropriately. How much time do you need to give this particular destination its due? You don't want to feel like you're rushing through things — but neither do you want to run out of activities that will interest your kids.

Should we have an itinerary?
Drawing up a travel itinerary, whether it's rough or detailed, will ensure that you travel wisely, hit the hot spots, and give everyone in your group a say in what you'll see.

Include something for everyone. No doubt, each member of your family will have his or her own list of must-sees. If a unanimous vote on itinerary stops is out of the question, ask everyone to write down top choices, then create a schedule that guarantees each person at least one or two favorites. If your children span a wide age range, remind them that there will be some patient standing by while siblings (and Mom and Dad) have their moments in the sun.

Involve the kids (again). Once you've got the basic stops down, kids can help research destinations, plan driving routes, locate pit stops, and help plan rainy-day alternatives.

Make a plan, then break it. Don't let your preplanned schedule get in the way of spontaneous delights. What if your kids want to ride that water slide for an extra three hours? One fun moment in hand is usually worth at least two on the itinerary.

Beat the crowds. Remember to head for popular attractions first thing in the morning or in late afternoon and early evening. Save the middle of the day for poolside fun or activities that take you off the beaten path and away from crowds.

Travel in tune with your family's natural rhythms. Preschoolers tend to be at their best early in the day — a good time for structured activities. Many teens, on the other hand, are pictures of grogginess before noon. Adapt your itinerary to suit ingrained family habits — including your usual meal and nap times — and you'll have smoother sailing. When visiting very popular destinations, take the time to find out in advance when their slowest periods are.


Life goals. Money goals. In that order.

Call Innovative Financial today at (303) 275-7170
for a free consultation - and put your mind at ease.

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