Many experts who advocate for a fiscally disciplined approach to finances recommend using separate envelopes, or accounts, to save for different items we need/want in life. A vacation is no different. By saving a little all year round, it will make your vacation much more enjoyable and that time after you return home a lot less stressful on your wallet.  Our Vacation Club account was created so members can save for vacations at their pace with no restrictions on withdrawals because of those "what ifs" in life. It's never too early, or late, to start saving.