Driving down narrow lanes hedged in by stone walls, stopping at ruins that have stood for centuries, and pulling into a warm pub just as the rain starts. That is the Ireland trip you actually want, not a rushed weekend in a Dublin hotel. You get the best out of the countryside by taking your time and renting a car to get deep into the west.
A typical trip runs about $3200 for flights, stays, and getting around. You buy those flights four months before you leave to lock in sane prices, which means you need a plan for the lump sum. Spreading that cost out keeps your regular checking account from taking a massive hit all at once.
That 18-month window is a hard deadline, not free money, and any leftover balance when it ends will get hit with the standard interest rate.