Using credit cards
If you're looking to reach your goal in the most expensive way possible, then using plastic to pay for it is the way to go. Credit card balances are essentially pricey loans that can charge interest rates as high as 20% or more.
Putting a $5,000 vacation on a credit card could lock you into payments for the next 17 years. In the end, that $5,000 vacation could actually cost you more than $12,000.*
Carrying a credit card balance will also result in a hit to your credit score, which could hinder your ability to meet other financial goals.