Let me preface this by saying I'm fully prepared for any and all flak that may come my way. And part of the reason for this post is that a part of me is hoping someone's logic will be enough to change my mind...

I've never had a vacation, like a legitimate go somewhere (or stay home) week-long break that belongs solely to me. The past few years, I've had the unfortunate luck of regularly being sick and so all of my PTO went to sick days.

This year, a good friend of mine who lives far away (1.5 flight; 8 hr drive) wants to do a girls' trip. The idea sounds phenomenal - 4 women relaxing and living it up somewhere warm with ice cold drinks

Since the trip is in August and I have the (mostly) fortunate luck of living with a family rent-free, I could easily pay for this trip by saving my surplus for the month of April. The trade-off is that it'll push my payback plan back a month.

I'm torn...on the one hand, I've loved seeing the balances go down or disappear completely, so I think I'd miss it going back to the minimums for a month. On the other...VACATION!!

What to do, what to do...