mellory, you didn't insult anyone by talking about a holiday!! i was just saying don't get ahead of yourself, and by saying that I wasn't trying to insult you, or upset you in anyway, I was just trying to point out that you shouldn't take these things for granted.
I'm sure you have had a few hard years at uni, but once you get onto a PhD (and i'm sure you will), the financial worries of being an undergrad are no longer there (its just the work!!). I was skint during my undergrad, but thanks to funding on my MSc, and then higher funding from my PhD, I am ok now financially, and managed a holiday last summer (first proper holiday for a while!), now its the work i worry about, but not so much that I let it get me down.
Best of luck looking for a project