PACKAGE TOUR? or PERSONAL PLANNING?

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I am going for a vacation this summer. I am opting for PACKAGE TOUR, however, its quite expensive. But of course, no need to think about anything. On the other hand, I had a personal computation as to how much, I found out its almost have of the package dell price will be waived if I opt for personal planning, but then again, i need to be ready for the hussle and the buzzle. Am confused, MONEY of COMFORT. HELP Please. Am leaving in a week.