When I opened my Facebook account today, I learned that my cousin and her family will be having a family vacation next month. She actually invited me to visit our grandparent's place, but I declined the invitation for I don’t have money for our tickets and pocket money. I wish I still have my credit card, but I didn't renew my card for a year now. The bank kept on reminding me to renew my card, so I could use it as Holiday Money Card, but I refused to do so because I don’t have a fixed income now. I don’t want to be buried with debt so, much better not to renew my credit card.