And don't forget personal pensions. Do a proper budget. Then see if your new income will cover your expenses. Plan how you'll keep active. Investigate getting part-time work or doing volunteer work.
Many charities are desperately short of people to help.
Talk to your partner. A big holiday has become part of life, rather than an occasional luxury for a large proportion of us. Save for the holiday throughout the year. If you put a chunk of money in a high interest savings account for the six months before the holiday you ll be earning interest, rather than paying it. The High Street is no longer the only place to buy a holiday.