DEAR HARRIETTE: My boyfriend invited me to go on a trip with him next month. I spent most of my extra money on holiday gifts and travel. I cannot afford to spend extra money on a trip before I recoup some of my expenditures from Christmas. How do I tell him this without making him think I’m asking him to pay my way or making myself look poor? I’m not poor. I just wasn’t planning on traveling for a while. -- Taking a Trip
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DEAR TAKING A TRIP: Talk to your boyfriend about this. Tell him how you planned out your end of year and that you do not have any extra money to take another trip in the first quarter of 2023. Make it clear that you would love to travel with him. Ask him if you can delay the trip until you are financially ready. If he says he is happy to pay for it, make it clear that you do not have any disposable dollars to add to the vacation. Tell him you would feel more comfortable if you could contribute to the excursion. If he insists, reinforce the point that he will have to foot the entire bill.