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Wednesday, November 20, 2024

Time to plan and book that family escape. Contributed by Smooth Sailing Finance Consulting.

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AS THE year-end is rapidly approaching, many Whitsunday families are starting to think about getting away on holidays, during the Christmas period.  

Planning a family holiday is exciting, but the costs of travel, accommodation, and activities can quickly add up and cause financial stress, particularly in these times of high living costs.

What can you afford and how do you make the budget s-t-r-e-t-c-h?

With a smart budget and some creative planning, your family can enjoy a relaxing getaway, without the financial stress.

Here’s some tips on how to budget for your next adventure.

1. Set a budget

Consider your regular expenses, upcoming bills, and savings goals. Think about the kind of holiday that suits your budget—a coastal getaway, a camping trip in a national park, or a city break. By setting a spending limit, you avoid the temptation to splurge along the way.

2. Think about the main holiday expenses

Break down your expected costs into key categories:

  • Transport: Flights, fuel, or public transport
  • Accommodation: Hotels, Airbnbs, campgrounds
  • Food: Groceries, dining out, snacks for road trips
  • Activities: Theme parks, guided tours, entry fees for attractions
  • Miscellaneous: Souvenirs, travel insurance, extra gear (like snorkels or hiking boots)

Estimate how much you will need in each category and look for areas where you can save.

For example, self-catering in accommodation with a kitchen can reduce food costs, or consider all-inclusive package deals.

3. Use Discounts and Reward Programs

Explore family discounts, such as multi-pass tickets for theme parks, museum memberships, or local tourism packages.

Leverage frequent flyer points or member discounts from organisations such as RACQ for savings on flights and accommodation.

Booking websites often offer deals if you plan early.

For fuel costs, consider apps like FuelMap to find the lowest prices along your route.

5. Embrace Affordable Activities

Australia offers plenty of low-cost or free activities, from national parks and beaches to scenic drives.

Opt for experiences like swimming, hiking, or exploring markets rather than high-cost attractions.

Many campgrounds and holiday parks offer free activities such as outdoor cinemas or kids’ clubs.

6. Track Expenses During the Trip

Even on holiday, it’s helpful to monitor your spending to avoid going over budget.

A simple notebook or budgeting app can track daily costs, helping you adjust if you need to save in certain areas, during the trip.

With good planning, your family can explore Australia’s stunning destinations without overspending.

Whether it’s a tropical adventure in Queensland, a road trip along the Great Ocean Road, or a camping trip in the outback, smart budgeting ensures you can relax, enjoy, and make cherished memories.

Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. Credit Representative 522752 is authorised under Australian Credit Licence 389328.

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