It can be a vicious circle at times borrowing money and you really need to be smart about managing your loans wisely. There appear to be some people that just continue to borrow more and more money and never break out of that mentality – others stay on top of their finances and do the smart thing which is only borrow money for long term fixed assets.
If you need to borrow money for a trip you have to ask yourself can you really afford it? Probably not so you are best to wait until you have saved up enough money because going and getting personal loans for something you cannot afford is not good practice at all.
Sometimes there is a good reason for getting secured loans for example buying a house – with any luck the house will increase in value more than the interest payments that you are paying for the loan so you will end up better off. This is called smart borrowing!