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Q: All our monthly income goes toward expenses. How can we ever afford a vacation?

Photograph of a Travel-Fund piggy bank.Diana says....
Our neighbour’s wise nine-year-old son, Edward, recently gave my husband and me piggy banks as gifts. As soon as I looked at my grinning pig, I said, “That’s going to be our travel fund.” Stash your loonies and toonies there regularly and you’ll reap a hidden windfall in just 12 months. Then check online for travel specials. My happy stuffed pig is going toward a family visit to B.C.

Diana Cawfield is an award-winning financial writer with more than 10 years experience. Send her your questions here.