Let’ face it. Vacations for a lot of Americans means a credit card bill. Instead of procrastinating or putting of your vacation until you “have enough saved,” why not start putting money aside nine to twelve months in advance toward fabulous future destination?

Vacation clubs are accounts in which one can put money aside, little by little toward a future trip. Once it accumulates the desired sum, you can withdraw it and book that much needed trip. Most vacation clubs offer the option of making automatic monthly or weekly deposits . Think about how far nine to twelves months of adding $20, $50, or $100 here or there could go.

[Read Related: 6 Vaccinations to Consider Before Resuming Travel]

Tips: Once you decided on opening a vacation club I highly recommend automating your payments. Start with an amount that is cushy —meaning you don’t notice the difference in your bank account. Most importantly, KEEP YOUR HAND OUT OF THE COOKIE JAR! Commit to this process and I promise you’ll have an amazing vacation without having a huge credit card bill.

On the other hand, for those of you who will be using a combination of savings, credit card charge or credit card travel points, check out this curated list of credit cards via money.com, that include top of the line travel perks. Whether you have active travel plans or are waiting to plan many of these card benefits can be applied to present or delayed travel plans.

TOP 2 VACATION CLUB PICKS:

TD BANK - setup an account and makeup automated payments from your checking account.
Smarty Pig - what I love about Smarty Pig is that you can set different goals by labeling each goal. I personally use this as my annual vacation club savings.