We all need a break from time to time — whether it’s a family holiday, an overseas adventure, or a weekend escape.
However, between flights, accommodation, spending money, and last-minute extras, travel costs can quickly escalate.
Sometimes we plan too late, underestimate expenses, or life just gets in the way. The good news? With a little organisation — and some smart budgeting — you can enjoy your next trip without financial stress.
Here are a few simple ways to plan your travels, keep costs under control, and still make every moment count.
1. Set a Realistic Budget (and Stick to It)
Start with the basics — how much can you really afford?
Write down your main travel expenses: flights, accommodation, meals, transport, and activities. Then, add a 10–15% buffer for unexpected costs.
Having a clear spending limit helps you plan more effectively and reduces the post-holiday bill shock.
Tip: Track your travel budget using an app or spreadsheet to keep everything in check.
2. Book Early and Compare Deals
The earlier you plan, the better the prices — especially for flights and hotels.
Use comparison websites to find the best deals, but also check directly with airlines or hotels, as they sometimes offer extra perks, such as complimentary breakfast or upgrades.
Flexible dates? Mid-week travel and shoulder seasons often mean significant savings.
3. Be Smart About Spending Overseas
Foreign transaction fees, exchange rates, and impulse spending can all add up fast.
To stay on top of costs:
- Use a travel-friendly debit or credit card with no international fees
- Withdraw larger amounts at once to avoid multiple ATM fees
- Keep an eye on exchange rates and convert when the rate is favourable
4. Consider a Travel Loan for Flexibility
If your savings fall short, a travel loan can help you plan ahead with confidence — without dipping into emergency funds or maxing out credit cards.
With My Personal Broker, you’ll get:
- Access to trusted Australian lenders
- Fast, transparent approvals
- Personal support from real people
- Flexible repayment options to suit your budget
Whether it’s flights, tours, or accommodation, we’ll help you finance your trip responsibly and affordably.
5. Don’t Forget Travel Insurance
It’s one of those things people forget until it’s too late.
Travel insurance protects you against unexpected costs like cancellations, medical emergencies, or lost luggage — saving you potentially thousands in the long run.
Make it a non-negotiable part of your travel plan.
Example Scenario – A Holiday Without the Stress
Case Study: How Emma Planned Her Dream Trip to Japan
Emma, a 29-year-old designer from Brisbane, had always wanted to visit Japan. With the help of My Personal Broker, she secured a small travel loan to cover flights and accommodations while preserving her savings.
She set a clear budget, booked early, and tracked her spending during the trip. When she returned, she still had savings in the bank — and no financial stress.
“It felt great knowing everything was paid for upfront and I could just enjoy the experience. The team made it so simple.”
— Emma, QLD
Conclusion
Travel is one of life’s great joys — and it shouldn’t come with financial worry.
By planning ahead, managing your budget, and exploring flexible options like travel loans, you can make your next trip memorable for all the right reasons.
With My Personal Broker, you’ll always know where you stand — no hidden surprises, just clear advice and genuine support.