Leave your cares at home when you travel

Midcoast Financial Planning • December 27, 2022

Holidays should be blissful periods where you can do exactly what you want – usually involving relaxing and enjoying time with loved ones. However, it’s not uncommon to come back even more tense than ever and feeling like you need another vacation after what should have been a lovely break.


Here are some ways to make sure your well-deserved break is all that you want it to be.

Woman in a Turquoise Infinity Pool, Ocean View With Beach Umbrellas, Trees, and Small Hut — Midcoast Financial Planning Group in Tuncurry, NSW

Dealing with disruption


It is more common now to face some level of disruption to holiday plans if you are flying – whether that be long queues at airports, flight cancellations or lost luggage. It’s important to recognise that there may be factors outside your control that impact your plans and deal with them as and when they happen. Keeping your cool, knowing your rights and trying to be constructive when faced with a problem can mean you are more likely to get assistance but there are also measures you can take to reduce the likelihood of problems.

Planning


There is a lot you can do in the way you plan your trip to avoid problems. When travelling consider leaving more than enough time at the airport before boarding and it’s also worthwhile taking earlier flights are they as less subject to being cancelled. Book direct flights where possible and ensure you allow adequate time for layovers in the event of delays.


There is a lot of demand for accommodation and hospitality services at present, so the days of spontaneity are over for now. Arrange accommodation in advance and research restaurants and attractions you’d like to go to and make bookings, so you don’t miss out.


Even the best laid plans do sometimes go astray so try to make the best of less-than-ideal circumstances. Your kid’s best memories of your holiday just might be when you got stuck overnight and had to stay in a funny little hotel in a strange city you had planned to visit only in transit.

Staying safe and well


You don’t want to get sick on holiday so take the basic precautions we all learnt during the pandemic to avoid catching lurgies and stay well.


It’s also quite common for people to let their guard down and take risks they may not take at home when they are on holiday, so think before hopping on that motorbike or crossing that flooded monsoonal river.


Travel insurance can be an important part of holiday planning so decide what may be appropriate for your circumstances and shop around to get the right coverage.

Switch off


Achieving the right headspace to enjoy your holiday can be as challenging as the planning and organisation. As tempting as it may be to check in and respond to work-related queries while you’re away, doing so may make it harder for you to relax and enjoy the moment.


If you are in a role where it’s not possible to completely switch off from work while you’re away, planning to check in for a limited time at the same time every day means you are not constantly ‘on call’ or thinking about work.

Ensure your holiday suits your style


Everyone’s idea of the ideal vacation is quite different. Some people like nothing better than a vacation filled with adventure and frenetic activity and for others the ideal holiday consists of lying around by the pool with a glass of something cold in their hand.


Know yourself and plan for a holiday that ticks the boxes for you, but also consider your travelling companion or companions, and make sure if you aren’t on the same page about how you want to spend your time, you are OK to spend some time apart doing your own thing.


Whatever your holiday style and preferences, a vacation is very much about what you make of it – so don’t sweat the small stuff (or even the big stuff that’s out of your control!) and make yours a happy, relaxing, and safe one.

Older Couple on Couch Reviewing Finances — Midcoast Financial Planning Group in Tuncurry, NSW
By Advant February 1, 2026
Getting on top of your finances is one of the most common new year’s resolutions. But sticking to them can be hard. If you want to get your finances unstuck, here’s five money tasks you can tick off during your summer down time, that will help set you up for success this year. Check your ... Read more
Woman and Child Laughing on a Couch — Midcoast Financial Planning Group in Tuncurry, NSW
By Advant February 1, 2026
We plan for holidays, home renovations, and retirement but we’re less likely to plan for the unexpected. Life insurance is one quiet but powerful way to protect the people you love from financial stress if something happens to you. Whether you’re raising a family, supporting a partner, or building a business, life insurance helps ensure ... Read more
Black Jagged Lines on a Graph — Midcoast Financial Planning Group in Tuncurry, NSW
By Advant February 1, 2026
Self-managed superannuation fund (SMSF) trustees always have a lot on their to-do lists but the first few months of 2026 are likely to be busier than usual. Topping the list is preparing for the introduction of Payday Super and the Better Targeted Superannuation Concessions on 1 July 2026. Payday Super is a change to when ... Read more
Three People Looking at Photos — Midcoast Financial Planning Group in Tuncurry, NSW
By Advant January 25, 2026
A sudden death can place financial stress on those who depend on you. If this happens, life cover can help them pay the bills and other living expenses. What is life cover Life cover is also called ‘term life insurance’ or ‘death cover’. It pays a lump sum amount of money when you die. The ... Read more
Construction Workers — Midcoast Financial Planning Group in Tuncurry, NSW
By Advant January 25, 2026
Men are earning on average A$9,753 more than women each year in the form of performance bonuses, allowances and overtime pay. That’s according to the latest gender pay gap data released on Thursday by the Workplace Gender Equality Agency. It covers more than 8,000 private companies for 2024–25, employing more than 5.4 million workers across ... Read more
Hands Cupped, Holding Soil — Midcoast Financial Planning Group in Tuncurry, NSW
By Advant January 25, 2026
Investing may be all about the numbers – growth, returns and risk – to build a secure future but increasingly investors are interested in an even more meaningful approach. Four out of five respondents to a 2024 survey wanted their investments to have a positive impact in the world.i The survey, by the Responsible Investment ... Read more
Open-pit Mine With Tiered Levels — Midcoast Financial Planning Group in Tuncurry, NSW
By Advant January 25, 2026
Few investment sectors combine geopolitical intrigue, technological innovation and long-term growth potential quite like rare earth elements (REEs). For Australians, the recent deal with the United States to supply rare earths to seed US$8.5 billion worth of new projects, has thrust the sector into the spotlight.i What are rare earths? Rare earth elements are a ... Read more
Woman Rock Climbing, Smiling — Midcoast Financial Planning Group in Tuncurry, NSW
By Advant January 25, 2026
Retirement has often been seen as a time to slow down and enjoy the simple pleasures of daily life. And for many, that’s the dream. But retirement is no longer defined by one image or one path. In fact, it can be something much more expansive. Today, retirement is increasingly viewed as a time of ... Read more
Laptop Screen Displaying Code — Midcoast Financial Planning Group in Tuncurry, NSW
By Advant January 25, 2026
Recently, there was an alert about the ASIC Moneysmart website being impersonated. It’s part of a growing – and increasingly sophisticated – trend of scammers targeting reputable, high traffic websites. These days, websites can be very easily set up and look quite professional without much effort, thanks to templates. So, whether you’re visiting the website ... Read more
Woman Taking an Older Man's Blood Pressure — Midcoast Financial Planning Group in Tuncurry, NSW
By Advant January 25, 2026
Ageing comes with wisdom, experience and a lifetime of stories, but it can also bring new challenges. Tasks that once felt effortless may now require support, and while many people assume the only option is moving into residential care, that isn’t the case. You can often receive the help you need while continuing to live ... Read more
Show More