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How to Finance Your Ski Vacation

December 22, 2017

Skis, boots, and poles rest against a Jeep as family prepares for their financed ski vacation
Saving and planning ahead

A family ski or snowboarding trip to a popular resort can be an experience to remember, and it can also be expensive. From accommodations to lift tickets, gear rental, meals, and entertainment, the costs for your winter getaway can quickly add up. This list may help you enjoy the full experience without the highest costs. How can you save, and decide if a personal loan is right for you?

Saving Money

  • Book Ahead
    Your biggest cost savings could be achieved by planning ahead. Decide how you want to finance the trip, and book your trip in advance. Almost every aspect of your trip, from accommodations to lift tickets, cost the most when paying “at the desk”. Most resorts offer discounts for those planning ahead.

  • Avoid Peak Dates
    While this isn’t always possible, planning your trip in the early or late season, during the week, and during times that most people aren’t on vacation, can save you on almost all your expenses.

  • Choose Hidden Gems
    The most popular winter destinations are in highest demand, and so can demand the highest prices. Look for highly rated resorts that are just a bit less popular, but offer a great experience. We’re also close to Canada, home to many amazing ski resorts.

  • Shop for Discounts
    Look for promotions, package deals, and discounts online before you book. You might be surprised at the sizable savings. Don’t forget to check travel sites, which offer savings on airfare, lodging, and rentals. Consider booking your accommodations through a trusted home- and apartment-rental site, or even a home swapping service.

Paying for Vacation

If you’ll need financing for your trip, there are some solid recommendations, and some decisions to make about how you finance.

Personal Loan

A personal loan may be a good option to cover reasonably large expenses.

  1. It’s often less costly than other forms of borrowing. Check online or ask us about current rates.

  2. Budgeting can be easier. You’ll know up front what your monthly payments will be, and how long they’ll last.

Meet with a First Source Representative first, and make sure all the terms, any fees, and the payments all work with your budget and financial standing.

Credit Cards

We generally recommend using your credit cards to pay for some of the day-to-day vacation costs, especially if you earn rewards, and can pay them back over the short term. One option: secure your personal loan, use your credit cards for expenses (to earn your rewards), and fully pay them down using your loan; then all you have is a low-rate loan to pay back.

Plan Ahead

Vacations are some of the most rewarding ways to spend our money. With our help, you can plan ahead and manage your finances in a way that makes your vacation a little more enjoyable.

Live smarter by making an appointment today to meet with one of our Financial Services Representatives about your winter vacation financing.






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