U.S. employees have an average of eight unused vacation days this fall, according to American Express Travel’s American Express Spending and Saving Tracker. At the end of the year, 38 percent of workers will lose these unused vacation days while 74 percent are planning to use them over the fall months. Of those planning to use their vacation time this fall, 31 percent said they choose to travel during fall because it is the most affordable time of year, and 23 percent will travel to off-season destinations like the Caribbean and Hawaii, as they offer some great deals during this time, the study said.

In terms of how they are planning to save money this fall, 35 percent of travelers will stay with friends and family instead of at hotels; 26 percent are booking farther in advance; and 21 percent are offsetting the cost of their trips by using American Express Membership Rewards and loyalty points.

Regarding destinations for fall travel, 37 percent of respondents said they will travel domestically, while only 7 percent will travel internationally this fall. The two most popular international travel destinations are Europe, where 32 percent plan to travel, and the Caribbean, with 29 percent saying they plan to travel there. And 27 percent of travelers are staying closer to home to take in the fall foliage.

American Express is encouraging people who need to use their vacation days this fall to contact the company’s Travel Insiders for tips on how to get the most out of the unused days and on top destinations for fall.