First--read "Men Are From Mars, Women Are from Venus." Seriously. And that vacation thing you're worried about...if you can't afford to GO anywhere, plan a few days of just special LOCAL activities/ time together. Tourists come to our localities all the time for some fun...discover the fun in your own locality.
Also, that book I mentioned pointed out a significant--and oh, so true--thing: Women regard big things and small things equally when tallying what 'deposits' her mate has made into the relationship's 'emotional bank account.' You're thinking time for something big (supposedly more 'points,' right?). Only women don't think that way. The vacation will count in your favor the same way a boquet of flowers counts--1 point each. One time of putting for effort, 1 point. One demonstration of love, affection, or consideration: 1 point.
The interesting thing is, the more often you put forth such effort--make such demonstrations--the more your emotional 'investment' into the relationship grows, and the more your 'affection circuitry' will be tripped into motion. [That's not from the book; that's from me.] So it benefits her and you to think on a regular basis of what kinds of things you can do to show her that she means something to you.
Hope this helps.... Good luck.