Vacation season will be here soon! Stretch your budget by choosing to drive vs fly; consider alternative housing options; and pack your own snacks and drinks.

Find hidden and less expensive gems by asking the locals where they eat and enjoy entertainment – rather than visiting tourist hot spots.

Be sure to set a daily budget before you go – and start saving for next year’s trip as soon as you get back! And as always, be sure to tell your bank “when” and “where” you’re traveling, so they know the purchases are yours.

If you are planning on booking a vacation with a credit card, it’s important to know which actions affect your credit the most. Every time you use your credit card, you’re helping build your credit history – and score. Paying bills on time impacts your score greatly. The amount of total debt you carry is another large factor. Try to charge no more than 30% of your card’s limit, and aim to pay your balance off every month. Be careful to not open new accounts – or close old ones frequently.

Space out applications for loans that require a credit check. Your credit history will be with you the rest of your life. It takes time to build, but good habits can lead to a good score.

Learn more tips and tricks to manage your finances on a Spin on Spending.