Is vacation really the best time to start thinking about getting out of debt? I am not so sure because I have many other things on my mind right now rather than thinking about getting out of debt. In order to be more optimistic, I prefer not to think about such things especially when the weather is so good and all I can think of is spending some time in my garden. The reason I do not want to think about my debt during summer months is that I would much rather relax than think about something such as finances. I will try to deal with the problem when the summer ends in a few months.