Plan your mid-year break

The year is flying by, and before you know it, mid-year will be here.

Whether you’re dreaming of a coastal getaway, a cozy cabin escape, or a simple staycation filled with fun, planning your break now can save you money– and make the experience more meaningful.

SUSTAINABLE HOPE

A mid-year break isn’t just about the destination; it’s about having something to look forward to. Planning ahead builds what I call “sustainable hope” – the joy that comes from anticipation. It’s a powerful motivator, and the best part is you can repeat this process every year.

GET EVERYONE INVOLVED

Planning a mid-year break is even more rewarding when it’s a shared adventure with your partner or family. Start by discussing what would make the trip special, and let everyone share what they’re excited to do.

Make the experience visual and fun – put destination photos on the fridge, circle the dates on the calendar, and count down together. Dream out loud by imagining the activities, adventures and memories you’ll create. The joy of a holiday isn’t just the destination; it’s the anticipation you share along the way.

FINANCIAL TIPS TO MAKE IT HAPPEN

1. Set your budget early,
   estimate your costs: Transport, accommodation, meals, activities, and a buffer for unexpected expenses. Once you have a rough figure, break it down into a savings goal. For example, if your break will cost $2000 and you have four months, that’s $500 per month or $125 per week.
2. Open a dedicated ‘break fund’
   Open a separate sub-account for your mid-year break. Automate transfers from each payday, treating it like a non-negotiable bill to your future self. Boost your savings whenever possible by adding any extra cash.
3. Book early to save
   Book early to save on travel costs and secure the best options. Look for accommodation deals, such as earlybird discounts or pay-later options with no upfront costs. For activities, lock in tours or attractions early to access better prices and guarantee availability.
4. Use your rewards wisely:
   Maximise your rewards by using credit card or loyalty points to cover flights, hotels, or car hire. Look for cashback offers or discounted gift cards to cut costs on fuel, eating out, or other travel expenses.
5. Cut back now to enjoy more later
   Review your spending to find quick ways to save for your break – cut back on takeaways and unused streaming services. Cook at home more often and set those savings aside as “holiday money”. You can also sell unused items online, turning clutter into extra cash.

ENJOY THE JOURNEY

The countdown is part of the joy. Dream together. Plan together. Save together. Then, when you finally arrive at your mid-year break, you’ll enjoy it even more, knowing you got there without financial stress.

So, start today. Build the excitement. Build the memories. And build sustainable hope, for this year and every year to come.