SPONSORED CONTENT -- (StatePoint) Whether it’s a once-in-a-lifetime tour of Europe or your annual trip to a beach house, intentionally budgeting for summer vacation can ensure you don’t throw your finances off course.

According to CERTIFIED FINANCIAL PLANNER^® professionals, here’s how to plan your vacation without breaking the bank:

Be Realistic About Expenses: It’s important to budget for the true cost of the vacation that you have in mind. Beyond big-ticket items, such as airfare, hotel and car rental, be sure to factor in additional expenses you might incur, such as entry to attractions, currency exchange fees, shopping, entertainment and dining out. You should also create a cushion for emergency expenses. If time off from work will mean temporarily earning less income, be sure to account for the income drop as well.

Set Up a Travel Fund: Now that you have a figure in mind, it’s time to save for your goal. Create a specific savings account earmarked for your vacation and automate your contributions. If you need help prioritizing your vacation without letting it derail your other financial goals, work with your financial advisor. You may think of them as someone who only helps you with tasks such as investing for retirement or buying a home, but a CFP^® professional is trained to look holistically at your entire financial picture. They can help you plan for the fun things in life!

Stretch Your Dollar: A dream vacation and thoughtful spending can go hand in hand. Here are a few strategies for stretching your vacation dollars:

• Consider timing: While summer travel often centers around kids’ schedules and work responsibilities, if you have flexibility, consider visiting your destination during its “shoulder season.” This is the period between peak season and off-season when you can expect reduced prices and thinner crowds. Timing also matters when it comes to air travel. For example, traveling on a Friday is typically more expensive than a mid-week flight. Play around with dates to find the best rates.

• Eat in: Restaurant bills can really add up. If your vacation home has a kitchen, consider preparing some of your meals. Or visit a local grocery store and pack a picnic lunch to enjoy midday during your explorations.

• Do a home exchange: Rather than run up a large hotel bill, stay in your dream destination free by doing a home exchange. Online home exchange platforms can help ensure there are no surprises at your destination or at home when you return.

To find your CFP^® professional who will help you seamlessly work your dream vacation into your budget, visit LetsMakeAPlan.org.

For a truly restful, rejuvenating experience, make sure your travel doesn’t cause you money-related stress. Being realistic about your expenses and working with a financial advisor can help you see the world on a budget.

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