BOSS: The Group Holiday
Lesson 14 of 14 in our free Relationships, Family & Money guide: a 5-minute money game with the key points below.
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Questions you'll answer
The villa is £1,800 for 6 people, plus a £240 car hire shared by the 4 people who'll use it. Mo is in the car group. What's Mo's fair total?
Next year's trip. What's the best system?
Quick facts
- Red flag: “Get £1,500 today, no credit checks!” — Legitimate lenders must check affordability. 'No checks' is a warning sign.
- Red flag: “Just pay a £99 release fee first” — Upfront fees to 'release' a loan are a classic advance-fee scam.
- Red flag: “by bank transfer to my personal account.” — A business asking for payment to a personal account is a huge red flag.
- Red flag: “Offer ends in 30 minutes!!” — Fake urgency stops you thinking. Real offers don't evaporate in half an hour.
- Interest on Mo's credit card because Mo didn't pay it off in full → Mo's responsibility. It's Mo's card. Collecting money BEFORE booking avoids this.
- A friend's £300 share they still haven't paid → Friend's responsibility. They agreed to it. A clear, kind reminder (with a date) is fair.
- The villa cleaning fee → Split equally. Everyone stayed, everyone shares it.
- A friend's spa day they booked solo → Friend's responsibility. Their treat, their bill.
- Fact: “If you're struggling to pay for a group trip, saying 'I can't afford it this time' is a valid answer.” — Real friends get it. Loud budgeting is a green flag.
- Myth: “Paying for the whole group on your credit card protects you, so it's always best.” — Card protections help if the company fails, but YOU carry the debt and the risk if friends don't pay you back.
- Fact: “Splitting by usage (car, activities) can be fairer than splitting everything equally.” — Shared costs for shared things; individual costs for individual things.