Saving

My husband and I had a little bit of a fit last night about finances... okay. It was mainly just me throwing a fit now that I realize what happened. My husband and I have been married since September 2014, and have yet to experience a 'Honeymoon'. I am not super upset that we haven't had the 'Honeymoon', mainly because we just went to Maui, which is where we got engaged. What I would REALLY like to experience, is a destination for our 1 year anniversary. I have brought up Disneyland more times than I can count... my husband would prefer not going, and is trying his very hardest to say it in different ways and phrases. I don't know. I suppose it's stupid for wanting to go there, especially since I have been there so many times in my life. I just remember growing up, and while being there, seeing these young ladies with their boyfriend/fiance/husbands and how great it would be to be able to have my, now husband, there with me. I absolutely love theme parks, and I love the smell of Disneyland. Weird. I know. I just can't get enough of it though it seems like. I love going.... Bah. But I should probably stop thinking we might go, because I know that we probably won't. I don't want to have to drag my husband there if he doesn't want to go, and I am tired of fighting him about it. I did mention that maybe we could go to Colorado for our 1 year, and he seemed to be interested in doing that. My good friend lives their with her new family, and there are LOTS of things to do there that we both enjoy. Finances however come into play because we really don't have the money to go, or are afraid of spending what we have worked hard to save, and don't want to use it for going on a small trip. We currently have 2 credit cards with a decently high interest rate, and our thoughts were to consolidate the 2 and get a personal loan for a really low interest rate at a local credit union. We were thinking that if we paid off our credit cards, and took out a little bit more out of the loan, that we could use that as our 1 year anniversary trip money... but thinking about it... it's silly. If we don't have the money to pay it back right away, then it would be stupid to rack up more debt. The point of consolidating credit cards was to lower our payment each month as well as only having 1 payment. However, we only have one life... and I hate being restricted in my life because of the demands money has on us. I don't know what we will end up deciding on... but I hope we can benefit from it in some way.