A Travel Advisor Reveals How to Pick a Fall Vacation That Fits Your Budget

Only 45% of Americans will plan vacations with paid lodging, the lowest amount in six years. For many households, the question is no longer where to go, but whether they can afford to travel at all.

Deloitte's 2026 Summer Travel Survey finds among non-travelers, 35% say they cannot afford to dedicate money to travel, while 32% said travel is just too expensive.

I interviewed Royal Ahmadi, senior vice president and general manager of The Vacation Group, is a full-service travel agency specializing in cruises, luxury vacations, solo travel and group tours, to learn how travelers can compare costs, avoid common budgeting mistakes and find better value before booking.

Compare The Total Trip Cost, Not The Advertised Price

"The biggest mistake is comparing only the advertised price instead of the total trip cost. This happens with both destinations and cruises," says Ahmadi.

A cruise fare may initially look less expensive than a hotel stay, but gratuities, shore excursions, drink packages, Wi-Fi and specialty dining can raise the final price. Cheap airfare could also lead to an expensive trip once travelers add lodging, transportation and meals.

"Families and travelers should compare the all-in cost of each option before deciding which trip is truly the best value," Ahmadi explains. While travelers rarely regret paying for meaningful experiences, he adds, small upgrades and impulse purchases can quietly push a trip beyond its budget.

One expense Ahmadi advises travelers not to remove is travel insurance. Cancellations, medical emergencies and weather disruptions can be costly, particularly during hurricane season. Coverage can cost far less than the loss it may prevent.

Calculate What You Will Spend From Door To Door

"The real cost of a vacation isn't the advertised price. It's everything you'll spend from the moment you leave home until you return," Ahmadi continues.

Before booking, travelers should estimate fares, baggage fees, airport parking, transfers, lodging, resort fees, meals, tips, activities, insurance and other expected purchases. Cruise passengers should also check onboard charges.

Ahmadi says travel advisors of The Vacation Group review all expected expenses and available options with clients so they understand what to budget for before booking. This also helps even when comparing completely different vacations.

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Stay Flexible About The Destination And Travel Dates

Flexibility is among the fastest ways to lower the price of any vacation. Travelers who cannot afford their preferred destination may find a similar experience elsewhere.

"If Aruba is your first choice but it's outside your budget, destinations like St. Thomas, Barbados or Mexico may offer a similar experience for much less," Ahmadi says.

Cruises can provide strong value because the fare generally combines accommodations, meals, entertainment and several destinations. However, they may not suit travelers who want to explore one place in depth.

All-inclusive resorts require similar scrutiny. Ahmadi recommends asking the most important question before booking: "What's not included?" because each property defines all-inclusive differently. In some cases, premium dining, activities, spa treatments, transfers or gratuities may cost extra, while they are included in other resorts’ packages.

Last-minute deals remain possible, he says, but travelers have better odds when they are flexible about the destination and departure date.

Consider Whether A Travel Advisor Can Add Value

There are advantages to working with a professional. Travel advisors of The Vacation Group may have access to pricing, promotions and package options that travelers cannot immediately find on their own.

Ahmadi says the benefit of working with a travel advisor is not limited to luxury travelers or complicated itineraries. First-time travelers, families and busy professionals may save time, reduce stress and make more informed decisions with professional guidance.

"At The Vacation Group, our expert advisors listen to our clients' needs and provide options that fit their budget, travel style and expectations," Ahmadi says.

"A good deal isn't simply the lowest price. It's the vacation that delivers the best value for your budget and expectations," he notes.

Sponsored by The Vacation Group. The Roam Report maintains full editorial independence. The brand did not review or approve our content before publication.