I'm no financial advisor, and my dad might actually murder me for recommending this (apparently you're supposed to pay for things using money you already have?) (weird!), but Priceline accepts Affirm, so you can pay for flights in installments.
After getting a little drunk watching 'Mamma Mia' and crying on the airplane (my favorite activity, bar none) last January, I booked a vacation for Greece that I just paid off liiike this month. Smart? Not sure. Responsible? Who's to say?! But if you know you'll be able to afford $169/month for the next like year of your life and you don't mind the occasional overdraft, it def makes international traveling -- specifically, sitting on an island drinking cocktails brought to you by a very hot Greek waiter who says "that's sad" when you say you're there alone-- more accessible.