Make your winter getaway more affordable

But is a winter getaway in the budget this year? You might be surprised. Travel deals are still to be had, and our currency remains strong against the U.S. dollar. This could be a good year to contemplate a winter getaway (sunshine or not).

Here are some tips to help make your travel dollars go farther:

Target the hard-hit areas. We all know that some areas -- like Hawaii, Florida and Las Vegas, to name a few -- were hit hard by the economic slump. Even though there's some cautious optimism about economic recovery, some industry experts note it's not time to return to full price just yet. There are still deals to be had in countries and places that are actively trying to draw in tourists. Watch the news and trends to see what destinations are still offering the deals.

Make it a gift. Do you really want another piece of jewellery or the latest tech toy? Stuff your spouse's stocking with travel brochures instead. Etiquette experts might object, but it doesn't hurt to let your friends and family know what you're planning as well. A travel gift certificate will take you further than a set of body products or a sweater. (Same goes for upcoming events like birthdays or Valentine's Day.)

It may break with tradition, but a current trend is for families to skip the holiday celebrations and gifts and go away on trip together instead. After all, research shows that experiences, not material things, make us happier in the long run -- and you can save the entertaining and decorating costs as well.

Make a commitment (to your budget). Many of us review our budgets and investments at New Year's, so it's a good time to make your trip a financial priority. Even if you can't afford to save much, set aside a set amount each month for a trip, and cut back on other entertainment-related expenses like cable and dinners out.

Even if 2010 isn't a possibility, it's never too early to start thinking ahead for 2011. If you don't already have one, set up a Tax-Free Savings Account so you can keep as much of the interest as possible.

Raise some money. Would you rather have clutter -- or cash? If your New Year's resolution is to get organized or to downsize, look for ways to sell your unwanted items -- like online postings and consignment shops. (See 10 ways to sell your stuff for more ideas.) A travel experience can be great motivation.