Have you seen those TV commercials for Geico that say 'Nothing is more important to me than my vacation'? I find myself shaking my head and saying yes!yes!yes! every time I see them! And I have a secret trick to make sure that I get to go on vacation every year, even when my budget is tight. For the last 20 years or so, I have saved all my change, put it in a jar, and counted it once a year. This takes a lot of discipline, because it is easy to bust into the funds when you have an emergency.