DON’T LET DEBT CAUSE HOLIDAY BLUES


Whether it’s to the sun-kissed beaches of the Maldives or the beautiful landscape of Snowdonia, everyone enjoys planning a holiday.

But wherever you decide to go, don’t let your week away turn into a financial hangover that will haunt the other 51 weeks of the year.

The most important starting point of any holiday is to set yourself a budget and stick to it.

To get the best deal, it’s tempting to go online but don’t rush to book a bargain and make mistakes – you may be out of pocket if you try and make amendments later.

It’s always advisable to make sure the travel firm you choose is ATOL accredited because it if ceases trading, you won’t get stranded abroad or lose your money.

We always advise using your credit card for payment because it gives you another layer of protection if something goes wrong.

Remember to compare rates for foreign currency because some high street banks can have a vast difference compared to online bureaux de change firms.

Never cut costs on travel insurance because in the long run an accident or illness abroad could leave you with a medical bill beyond your worst nightmares.

European Health Insurance Card gives you state-provided healthcare at the same cost as local residents but make sure you have added insurance to cover theft, cancellation, medical treatment or repatriation home.

If you fancy some sightseeing abroad then you may want to hire a car rather than take an expensive excursion through your travel rep.

As with every purchase, you need to shop around for the best deal by taking into consideration the high insurance costs often involved in the rental deal.

Is your passport up to date? It costs £75.50 to renew or replace a standard UK passport online and this rises to £85 if you complete a paper application.

But you can save £25 by uploading a photo from your phone and making the application online.

Just because you decide to take a break in the UK doesn’t mean you can always get a cheap deal. Once again we advise plenty of planning and budgeting beforehand.

There are a number of ways to save on train fares such as using Railcards, two-for-one deals, and booking off-peak journey time.

Don’t assume a return ticket is cheaper and remember to add some first-class treatment for as little as £5 each when travelling on the weekend or a Bank Holiday.

We’ve all heard of glamping, and with some research you can find an idyllic hideaway well within your budget.

Youth hostels now come with shepherd huts and you can even stay in an historic building for as little as £15 in a shared room!

There are now 27 churches in Britain that have signed up to the Churches Conservation Trust initiative which is the concept of camping – or champing – in the tranquillity of a church.

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