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When the winter winds are howling, it’s easy to start dreaming of warmer weather.

Whether you’re planning a winter get-away or looking forward to spring, now is a good time to start saving for that much-deserved vacation.

While you’re preparing, consider these budgeting and planning tips so you have the money to enjoy your relaxing getaway.

Open a dedicated account

This is an important step if you’re serious about saving. Having a dedicated account will reduce the temptation to use the money for other expenses. It will also help track the amount you’re saving because it won’t be mixed with other funds.

Utilize Starion’s automatic transfer

Each time you get paid, a set amount can be automatically transferred from your checking account into your vacation savings account. It’s an easy way to save without having to remember to manually transfer money.

Calculate your vacation costs now

Do a lot of research on your destination and determine your vacation costs now so you won’t be short on funds when you need them. Remember to include costs such as travel, parking, food, event tickets and souvenirs. Then take your total cost and divide it by the number of weeks until your planned vacation dates to determine how much you need to save per week.

Save your change

It might not be enough to pay for your entire vacation, but utilizing the trusty change jar may help you pay for things like gas and meals. Remember, you don’t have to limit yourself to coins. If you have a couple of dollar bills, put them in the jar as well.

Cut out extras

Are you really utilizing that music streaming account? Can you skip dessert when dining out? Eliminating some of these extra expenses can help free up cash so you can treat yourself on vacation.

Use your tax return

It is best to aim not to have a big tax return. However, if you do have a nice return, save the money for your vacation rather than splurging.

Get everyone saving

Parents knows that travel costs multiply when kids are added to the mix. You need more plane tickets, more tickets to attractions, more food, etc. If your kids get allowances or have a part-time job, they should help save for the trip as well. Explain that vacations cost extra, and let them know specifically what they need to save for—perhaps souvenirs and non-mealtime desserts.

Prioritize security

Before you jet off, make sure to call the bank to let us know where and when you’ll be traveling. That will help us monitor your account to keep it secure. You can keep an eye on your accounts while you’re away too with Starion’s Mobile Banking App. Remember to avoid using public and unsecured WiFi to keep your account and password secure. Click here for more security tips.

By following these simple steps, you’ll be relaxing at your dream destination in no time. If you have any questions on budgeting or opening a new savings account, visit with a banker today, or you can open your savings account online right now!