Why is the woman doubtful about the holiday?

M: Would you like a cup of coffee or are you still busy with the money?
W: I’m still going through the accounts. We’ve overspent dreadfully this month.
M: By how much?
W: I don’t know. It looks to me as if it’s getting on for almost 500 pounds.
M: Oh, does that mean we won’t be able to get our holiday—have we got enough for our holiday still?
W: Well, I’m not sure. I honestly don’t think that we could afford to go really.
M: But we haven’t had a holiday for three years!
W: That’s not the point, is it? We haven’t had a holiday for three years because we can’t afford it and I don’t think we can afford it this year. We would maybe manage a week somewhere in this country.
M: I was really looking forward to this holiday...three weeks in Barbados at Christmas—warmth, sea, sunshine.
W: I know. So was I.
M: We really need to...just get away out of this country. We haven’t been away for three years!
W: Well...look it’s not...just not on. I mean, we could think about somewhere...
M: Can’t we ask your mother for the money? Can’t we borrow the money from somewhere for the holiday?
W: Well, you know what I feel about borrowing. We’re still in debt over the car. We’ve always said we wouldn’t borrow money for things that weren’t absolutely essential. A holiday isn’t essential. M: I really feel it is this time.
W: Well, let’s look at cheaper holidays then. Let’s look at somewhere closer to home, right. Let’s look at Europe.
M: Well, there’s no point in going to Europe at Christmas, is there?
W: Well, you said you wanted to get away from here. Well, what are you saying that you only want to go where it’s...it’s hot and sunny?
M: Yes, I want some warmth.
W: Well, I think we ought to borrow the money. Your mother would be very pleased to lend us the money.
M: I don’t want to talk about it anymore. Let’s discuss it some other time.