(CNN) - As you vacation in the sun, your savings may melt away.
A survey by Learnvest, a financial planning firm, shows 74 percent of people go into debt to pay for a vacation.
On average, the cost is about $1,100.
More than half of those people say they don't budget for their time away, which is a problem, especially since a weeklong vacation costs most people more than their monthly rent or mortgage.
The survey shows on average people spend 10 percent of their annual income on vacations.
To stretch your dollar without sacrificing your time off, the survey recommends you start budgeting now.
Skip the coffee line and put the money in savings.
Plan your vacation down to the last dollar. That way, there are no surprises.
Also, don't be dazzled by the deals. You may see a great sale on flights, but don't spend money you don't have.
Try not to put too much on a credit card. If you don't pay off your monthly balance, interest rates can push you deeper into debt.
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