Q: My sister asked if my husband and I want to join them again for a winter get-away. I told her it sounds like fun and that I’d see if my husband could get the time off work. The truth is though, even if he can take a week off, it would be a real financial hardship to go.
We’ve always enjoyed vacations together, so I don’t know how to tell her that our credit cards are maxed, we have a lot of debt and money is really tight. My husband and I both have good jobs and earn enough, but our pay cheques only seem to be going to bills and minimum payments. Please help!