Travelers lock in their holiday trips earlier this year, and December bookings already show the shift.
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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.
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As online booking becomes more and more mainstream, it can be easy to sidestep the services of a travel agent. However, consumers who do so ma…