New York, Paris, London. The world’s top cities are so familiar to us all thanks to TV and the movies, yet sometimes they seem so far away that it feels like you’ll never get there. Whether you’re dreaming of a hot dog at a Yankee’s game, a stroll to the Eiffel Tower, or a boat ride down the Thames in London, it can become a reality. All you need is a plan!

First, decide what type of holiday you want.

Is it a Contiki tour for the 18-30s, a solo backpacking holiday or something a little more luxurious?

Secondly, do your research to get an idea of flight and accommodation costs.

Start online as there are so many comparison websites available that will make the job a little easier. Try WebJet, Trivago, Zuji, Expedia and Trip Adviser.

At this point, start putting together a budget.

On top of flight and accommodation costs, think about spending money.

Do a bit of research to see how much food and drink costs and factor this into your budget, plus add tour costs (like museums) and internal travel once you’re at your destination such as car hire or train fares.

road trip through the desert

The Lonely Planet tour guides are quite handy for this and there are always copies in second-hand book shops.

Once you’ve got a budget, start putting in place your savings plan by working out how much you already have in savings and how much more money you need to put away.

To make it easier for you, break down the money you need to save into the number of weeks until you intend to go on holiday. For example, if you need to save $2000 and you’re going on holiday in December then that’s only $76 that you need to save each week for 26 weeks.

Set up a direct debit from your bank account into a savings account so you don’t get tempted to spend it.

If the trip is looking out of reach, think about timing. If you’re prepared to travel in the off season you’re likely to find a better deal on both flights and accommodation. Typically travel during school holidays or at peak times of year, such as Christmas, are more expensive.

If you’ve time, or if you prefer an expert to arrange your holiday, take your online research to some of the bricks and mortar travel agents like Flight Centre.

Many of them are prepared to beat air fare prices. Also don’t forget friends and family living abroad. Aussies are known for sofa surfing and it can be a great way to immerse yourself into the culture of a country while saving money.

You can also look into a personal loan.

At Fair Go Finance we can help with holiday loans from $500 up to $10,000.

Why wait? Apply today, and you could be booking that holiday tomorrow!

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