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Holiday budgeting tips for over-60s: Expert advice for a stress-free season

<div> The festive season is a time for joy, but it can sometimes also bring a little extra financial stress. With the rising cost of essentials, many Aussies in retirement might be feeling the pinch. And it’s not your imagination – recent <a title="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" data-auth="Verified" data-outlook-id="1a0a0a08-2e36-4601-a0a3-f9c8bb379afe">data</a> from the Association of Superannuation Funds of Australia (ASFA) reveals that the cost of maintaining a comfortable retirement has increased by 3.7% in the last year. For those in retirement, managing holiday spending can help ensure a stress-free festive season. </div> <div> Toby Perkins, a Certified Financial Planner® at industry superfund NGS Super, shares his helpful tips to ensure retirees manage their budgets during the holidays. </div> 1. Avoid personal debt <div> Credit cards and overdrafts may seem like quick solutions, but they often lead to high-interest debt. "If you need extra funds for the festive season, it might be worth considering options like your superannuation income stream instead," advises Toby. Avoiding extra debt may help you to maintain your financial stability in the long run and help set you up for a stress-free Christmas next year. </div> 2. Plan ahead: Budget for the entire year <div> Although it may be too late to adjust your budget for this holiday season, now is a good time to start planning for next Christmas. "Incorporating holiday spending into an annual budget can prevent financial strain in December," Toby suggests. By tracking your expenses throughout the year, you can identify potential savings and plan for any extra costs, such as gifts and travel. </div> 3. Review government entitlements <div> It’s important for you to ensure you are receiving the correct government entitlements. "If you’re receiving the Age Pension, make sure all your details are up to date," Toby advises. Even if you're not eligible for the Age Pension, you may qualify for the Commonwealth Seniors Health Card or state-based Seniors Cards, which can help reduce costs on health care, transport, and other services. For more information, visit <a title="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" data-auth="Verified" data-outlook-id="0b03c4dc-e32a-4f0f-adaf-6d20058cd703">the Services Australia website.</a> </div> 4. Stay vigilant about financial security <div> There are two reasons to closely track your spending throughout the holiday season: 1. To ensure you stay within budget, and 2. To ensure you don't fall victim to financial scams. The holiday season can be a prime time for financial scams, so be cautious when making purchases online. </div> 5. Prepare for post-holiday financial health <div> After the holidays, plan to set aside some money for future expenses or to replenish your savings. A bit of post-holiday planning will help you avoid financial stress in the months ahead - and even get you set up for next Christmas. </div> 6. Travel smart: Plan off-peak <div> Travel can be one of the biggest holiday expenses, especially if it coincides with peak Christmas and school holiday periods. Toby recommends traveling outside of these busy times to save money. "Off-peak travel can significantly reduce costs and make your holiday dollar stretch further," he says. Consider planning trips in advance to secure better deals. </div> <div> Planning ahead, managing debt, and reviewing entitlements can help you enjoy the festive season without financial stress. As Toby puts it, "Smart budgeting today helps ensure a more comfortable retirement tomorrow." </div> <div> For those seeking personalised advice, NGS Super’s team of financial planners is here to help guide you to a secure and joyful future. Read the <a title="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" href="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" data-auth="Verified" data-outlook-id="c4bb4623-ec0a-4e3a-a747-7bf0d2f5659b">NGS Financial Planning Financial Services Guide</a>. </div> <div> For further information, visit NGS Super’s <a title="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" data-auth="Verified" data-outlook-id="7c65864b-3f33-43bc-9037-cc1e7ca1acc0">website</a>. </div> <div> Toby Perkins is authorised to provide financial advice in Australia and is an Authorised Representative (Number 1002908) of Guideway Financial Services Pty Ltd, AFSL Number 420367. Any advice given in this article is general and does not consider your financial situation, needs or objectives so consider whether it is appropriate for you. Be sure to read the relevant PDS and TMD before deciding whether a financial product is right for you. Image credits: Shutterstock </div> <div> </div>

Travel Tips

Research reveals how long it takes Aussies to save for a holiday

Saving up for a holiday can seem like an overwhelming task, but some destinations are easier to save for than others. According to new research by <a href="http://money.com.au/">money.com.au</a>, nearly a third of travellers - or 31 percent - need on average a year to save for a trip, while 29 percent of Aussies save for up to six months before jetting off. For 18 percent of travellers, it takes more than a year to save for a trip, while just 13 percent of Aussies manage to save for a holiday in less than three months. On the flip side, 7 percent of eager travellers decide to skip saving altogether and cover their holiday expenses fully on a credit card, while just 2 percent opt for a personal loan to fund their trips. Money.com.au's Finance Expert, Sean Callery said of the survey, "Our research also shows that travel is the one expense Australians aren't willing to forgo, no matter their financial goals or income level." "Going into debt for a holiday brings additional costs and risks. It's important to have a plan for clearing the debt as quickly as possible." With these saving trends in mind, the experts have crunched the numbers to estimate how long it would take the average Aussie to save for a trip to the most popular overseas holiday destinations. The saving time for each location was calculated based on a 10 per cent savings rate of the average weekly earnings of $1,923.40 (from ABS data). Two of the quickest destinations to save for are China and Thailand, while other destinations the experts say you can save for in around half a year include New Zealand, Vietnam and Singapore. Image credits: Shutterstock

Travel Tips

Readers response: What piece of travel memorabilia brings back the best memories for you?

When we travel, many of us love to pick up a souvenir to remind us of our holidays and the destinations we loved. We asked our readers what piece of travel memorabilia brings back the best memories, and the response was overwhelming. Here's what they said. Jan Hall - Christmas Decorations! Then when I put my tree up it’s like a trip down memory lane, first one was 1973 from Singapore our first overseas holiday. Debra Stone - A letter opener with a Paua shell on the handle. New Zealand wouldn't let us take it in our luggage, so we posted it home to ourselves! Becky Murfet - In 1984 we went to Europe and I collected match boxes from different countries. Have them in a large glass bowl. Great to look at for memories sake. Caron Castner - Stines from Germany. Margie Buckingham - A palm-sided wooden carved elephant from a side trip off my cruise from Singapore to Malaysia & Thailand and back to celebrate my 40th. It sits on my mantelpiece so to deliberately trigger good memories of a younger me. Frank Nieuwenhuis - 2300 year old oil lamp bought in Israel. Fay Russell - Turkish tea set. Valma Blake - Of all the things I've bought on my travels, my favourite is my cat ornament collection that are decorated relative to the country or area I visited. Image credits: Shutterstock

International Travel

Virgin Australia passenger denied travel over tiny passport detail

Renee Reader, 30, flew to Melbourne from the Gold Coast on Monday and had her passport checked several times by Virgin Australia staff. It wasn't until she was in the final boarding queue to Bali when staff spotted one tiny detail in her passport. "I got through security and customs. It wasn't until I was actually boarding the flight and I handed over my boarding pass and passport that the staff weren't sure about my passport," she told Yahoo News Australia. Staff then started taking photos of her passport and she was asked to step aside. When asked what the issue was, she was told there was a "yellow stain" on her passport identification page. It wasn't long before she received the "heartbreaking" news, with staff telling her: "You're not going to Bali." Although she tried to plead her case, airline staff stood firm on their decision, and said Renee would need to be escorted out of the airport by security. "I said, 'I don't think that's quite necessary. I'm not a criminal — It's a passport with a watermark on it'," she recalled, but was she was escorted anyways. While the airline paid for Renee's flight back to the Gold Coast, and acknowledged that they should've flagged the passport damage earlier into her journey, she still lost the money for her return flight tickets to Bali which cost around $200. "My message to everyone is to triple-check your passport and make sure that it is in immaculate condition, because they are getting a lot stricter, and I would never want this to happen to anyone else," she said. "I've travelled all over Europe, I've been to Bali with it [the mark] twice... I was in Bali just in July... it was absolutely heartbreaking," she said. A Virgin Australia spokesperson told Yahoo News that staff are required to flag any passport issues to prevent passengers from being refused entry at their intended destination. "When a guest presents for check-in for an international flight, Virgin Australia team members are required to ensure they have the necessary travel documentation and that the documents are in suitable condition," the spokesperson said. Image: TikTok/ Yahoo News

Travel Trouble

Baggage handler calls out crucial mistake at bag-drop

A ramp agent for a major airline has revealed one crucial mistake that many people make when checking their luggage before they fly. Sharing all the details of the little-known trick on a lengthy Reddit thread, the baggage handler, who has years of experience working with American Airlines, noted an extra step that many people miss to ensure the safe arrival of their bags. "Your bag tag has three 'bingo' stickers with your itinerary on them. Take one off and stick it on your suitcase," the airline worker shared. "This way, even if the bag tag gets torn off at some point, we can still get it to its destination." The stickers look like small barcodes at the very end of the long luggage tag and can simply be pulled off and placed anywhere else on the suitcase. It can also be a good idea to keep one of these small tickets with you, whether on your boarding pass (in an area that doesn’t restrict important information), or simply on an old receipt. That way if your luggage unfortunately goes missing, you have the right barcode and number for your bags to be easily located, wherever they may be. Another thing the baggage handler mentions is the location of the luggage tag. While many signs indicate it should be placed around the side handle (if your case has one), the staff member suggests the top handle is better. "Having the tag on the top handle, which is the one that faces outward on the cart, makes it more likely for mistakes to be caught," he points out. Image credits: Shutterstock

Travel Tips

Former pilot shares tips for fighting jet lag

A former pilot has shared his fool-proof tips for beating jet lag when you’re flying to the other side of the world. As an ex-airline pilot, Jeremy Burfoot knows a thing or two about dealing with dreaded jet lag. After his years flying Qantas planes to every corner of the globe, Captain Burfoot has revealed to <a href="https://travel.nine.com.au/latest/how-to-beat-jet-lag-ex-airline-pilot-shares-hack-for-flights-to-europe/656b0602-9cd2-4923-b3b4-1310a2613235">9Travel</a> the unique way he would combat the condition while he was working. "I used to try and stay in a time zone of where I was living," he told 9Travel. "So I went to London, I would just sleep during the day and go out at night." However, for those who need to be up during usual hours, he advised trying to avoid one thing. "The first day you get there, spend all day in the sun, in the daylight," he says. "Resist having an afternoon nap so you're really tired when you go to bed." Captain Burfoot went on to share his hacks for anyone flying from Australia or New Zealand to Europe, which can be some of the most gruelling flight paths in the world. "If I was planning to go to Europe, I would try to split it into two, try to fly both of the days in the daylight," he said. "You'd want to be on a flight to Singapore out of Australia that leaves in the morning, so you're basically doing a daylight flight to Singapore, then you have an overnight, eat some curry or something.” "And the next day catch a daylight flight to Europe. So it doesn't actually feel like you're up in the middle of the night." Image credits: Captain Jeremy Burfoot

Travel Tips

Readers response: What’s the most interesting cultural experience you've had while travelling?

When travelling abroad, we are often exposed to new and fascinating cultures that can open our eyes to different ways of life. We asked our readers to share the most interesting cultural experience they've had while travelling, and the response was overwhelming. Here's what they said. Sandra Beckett - Staying overnight in a Ger in Mongolia miles from anywhere, listening to Throat singing accompanied by two traditionally dressed musicians playing Horsehead fiddles. Also, travelling across Russia by train, visiting the Galapagos islands, Skara Brae in the Orkneys, the Hagia Sophia in Istanbul. Denise Ryan - Listening to glorious classical music played in Havana’s Plaza de la Catedral and attending a stunning performance of Swan Lake in the Grand Theatre of Havana. Deedee Cullum - Visiting Ypres in Belgium and staying the night so we could see the evening ceremony at the Menin gate. Alison Davenport - 50 years ago visiting a Fijian village made me realise everyone didn't live like I did. Have been amazed at all travel experiences since. Glenn Turton - Staying in a farmhouse in Normandy for a week. Visiting D-Day beaches and Mont St Michel from there and local villages and markets on the days between. Back to the farmhouse each night to cook local produce and sit by an open fire. Karen Psaila - Sitting in a small ally sipping black sweet tea in Egypt looking at the pyramids and sphinx whilst camels are strolling by. Amazing. Patricia Watson - Darwin. Spending a day with First Nation Women and Children in the bush and learning about food that grows and is edible in that area. James Langabeer - This are my three top three most interesting cultural experiences. 1. Japan's Tea Ceremony: Attending a traditional tea ceremony in Kyoto, Japan, where I learned about the intricate rituals and Zen Buddhism's influence. 2. Indian Holi Festival: Celebrating Holi, the Festival of Colors, in Mumbai, India, surrounded by vibrant colors, music, and joyful locals. 3. Moroccan Hammam: Experiencing a traditional Moroccan bathhouse (hammam) in Marrakech, where I discovered local customs and relaxation techniques. Margaret Mason - Staying for a couple of days in a small, traditional village in China. Image credits: Shutterstock

International Travel

Baggage handler reveals the best kind of luggage to travel with

A baggage handler has revealed the best kind of suitcase you should travel with when travelling by plane. With years of experience loading planes with thousands of kinds of suitcases, a ramp agent for American Airlines has spilled the secrets on why some kinds of luggage are better than others. The worker said that while many people may gravitate towards hard-shell suitcases for extra protection, they are not the best for air travel. "Avoid plastic hard shell suitcases," the airline worker revealed on Reddit. "These are incredibly slick and prone to sliding off the bag cart while turning - taking everything on top of it with it." Instead, cloth suitcases have more friction and are "more likely to stay where we put them." He also said these days, four wheels on a suitcase is an absolute must as opposed to ones that glide on just two wheels. "If your bag has four wheels, it can simply be rolled along the floor. If it does not, it will be thrown. We don't try to slam it into anything, but it's still going to drop about 2ft (6m) over the course of its 'flight'," the crew member shared. Another thing to consider when buying your next suitcase is finding one that has handles on the side as it gives baggage handlers "far more control" over the luggage. "It's easier to get a grip with an actual handle than by grabbing a wheel," he added. The worker also said using a big bag for no reason is only going to cause the bag to collapse once it is stacked and cause a "baggage avalanche", with the same going for bags that are not "normally shaped" suitcases. Image credits: Shutterstock

Travel Tips

Readers response: What’s your top travel tip for staying comfortable on long journeys?

When it comes to a long travel day, getting comfortable can often be a mammoth task. We asked our readers to share their favourite tips and tricks to stay comfy on a long haul flight, car ride or train journey, and the response was overwhelming. Here's what they said. Amy Cardino - Long-haul journeys (to me longer than 8hrs), you need to save up or upgrade your ticket if you have mileage benefits, into business class. Ester Cibasek - My own blowup pillow and blanket (long enough to cover my head), noise reducing ear phones and keep my eyes closed so I dose in and out of sleep all the way. Valerie Keily - A neck pillow is essential and an eye shade. Keep hydrated and remember to move around if possible. Di Richardson - Memory neck pillow. Recovery sleeves on my calves. One departure drink then limit alcohol or coffee. Window seat and sleep when possible. Bliss. Anita Thornton - Go business class. Chrissie Martini - Break the journey by staying overnight in a hotel. Takes longer to get there but you practically eliminate jet lag and the worry of DVTs. On the way to Europe, two overnight stops helps me. Lyn Goodman - Keep warm and wear loose fitting clothes. June Debono - Stretch jeans and socks (as well as other clothes of course). Plus, eye shade and ear plugs. Ingrid Plueckhahn - Take a good book, break up the journey with a fave movie, and just get in the zone and relax. It’s just a day! Image credits: Shutterstock

Travel Tips

Readers response: What is your biggest travel pet peeve?

When it comes to travelling, there are many different things that can go awry that can make even the most calm travellers irate. We asked our readers what their travel and holiday pet peeves are, and the response was overwhelming. Here's what they said. Linda Woods - Getting kicked in the back of the seat on a plane. Barbara Pearce - Distance to walk through airports to get to gates. Judith Buttery - Lifting my baggage!! Ralph G Smith - I get so annoyed at the seemingly random changes in flight times that have become like an epidemic in the last few years. I know that situations change, but in recent times it's become almost a given that if you book for a certain flight, it will be changed. It's not just the airlines, but trains and coaches too. June Maynard - Travel movement at the airports. Queuing, passport checking, immigration, various checkpoints at the airport, etc. Trish Moulton - Kids on planes. Beverley Murphy - Waiting hours for a connecting flight. Jenny Gordon - People who carry way too much/too large cabin baggage then expect to keep it near them when they board late. Airlines should enforce number of pieces, weight and size! Eileen Pomeroy - Waiting at airports and their high prices for everything. Margie Buckingham - The total disregard for disabled passengers. Image credits: Shutterstock

Travel Trouble

Traveller divides opinion on how early you should arrive at the airport

A plane passenger has shocked even the most organised travellers after admitting that he gets to the airport six hours before his flight departs. Self-described anxious traveller Tim Murray slammed those who have a laxed attitude to an airport arrival time, boldly stating it's their own fault if they miss their flight. “It's not my fault you're late to your flight, so if you're behind me in the security line being like: ‘I gotta get past you I'm late’ you need to manage your time better”' he declared in a short clip posted to TikTok. “I get to the airport six-and-a-half hours before my flight,” he stated, admitting his “extreme anxiety” does play a role in getting there early. “And I wanna sit here and vibe at the airport Chili's with a waitress named Debra who has the most amazing smoker's voice you've ever heard and stories that will last six-and-a-half hours,” he joked. In a comment, Tim admitted that he may have over-exaggerated the six hours, but still saying he gets to the airport several hours early. While Tim seemed smug in bragging about his early arrival, many users pointed out that there are external factors that play into people's travel plans. “People need to remember it's not always the person's fault. If my plane is late that could cause me to miss my connection, no matter how early I was. This has happened to me a few times,” one person pointed out. “Have mercy on us international flyers who need to do immigration baggage claim and run to connecting flight after our first flight was delayed,” another complained. “Dude some people are connections because their flight was late, or stuck in a long customs lines… so many other reasons than being just late,” they pointed out. Image credits: TikTok / Shutterstock

Travel Trouble

Readers response: What’s your favourite destination you’ve visited later in life and why?

When it comes to travelling, some destinations are better than others for different points in your life. We asked our readers what their favourite destination they've ever visited later in life is, and the response was overwhelming. Here's what they said. Robin Liersch - Africa! Not about the big cities but the animals, landscape and people are lovely. Nature at its best. Karen Ambrose - Sri Lanka. A fabulous tour. Sandra Way - Switzerland, such a beautiful country. Deb Moore - Scotland! The highlands. Because of my ancestry, now that I have been there I feel so very drawn back. Wendy Beckhouse - Cambodia, Angkor Wat is amazing. Beautiful people and great food. Patricia Monro - Singapore. A beautiful safe country with spectacular scenery everywhere. Our family lived there for a couple of years so our visits were perfect. Simply love Singapore. Christina Hutchings - Norway. Especially Geirangar. The people and places were fantastic. Would love to go back. Barbara Mules - Uzbekistan, not at all what I expected. So many beautiful old buildings, good food and lovely people. Elizabeth Jeffreys - Italy. Love the country, people and food. Helen Dickenson - Antarctica, the Parthenon and Machu Picchu because I never thought I could physically do it but I’m glad I managed it. Regina Johnson - South Island, New Zealand. Spectacular. Ian J Wilson - Japan, without a doubt. Val Goodwin - Croatia, wonderful place and people. Image credits: Shutterstock

Travel Tips

The best budget-friendly travel destinations for 2025

As many people continue to battle with the cost-of-living crisis, eager travellers are looking for a way to pinch their pennies on their next trip. Luckily, there are many destinations that are ideal for travellers on a budget. Travel app <a href="https://www.skyscanner.com.au/travel-trends/best-value">Skyscanner</a> has rounded up the ten best budget friendly places to go next year, with travel expert Jarrod Kris saying it's best to go off the beaten track for the best travel deals. "Aussies have experienced different ways of enjoying travelling over time, but one thing that remains consistent is the desire to find new destinations and to land a good bargain," he said. He also said Aussies are getting more adventurous, adding, "We are certainly going beyond the obvious tourist destinations in search of a perfect spot to create memories." In terms of what makes a destination budget friendly, things like exchange rates, cost of visa, cost of tourist attractions and the overall costs of day-to-day living are taken into account, as well as the ever-changing airfares. Check out the top ten list of budget-friendly destinations below. 10. Reykjavik, Iceland 9. Bogota, Colombia 8. Vientiane, Laos 7. Chicago, USA 6. Lyon, France 5. Okinawa, Japan 4. Budapest, Hungary 3. Madrid, Spain 2. Belfast, Northern Ireland 1. Krabi, Thailand Image credits: Shutterstock

International Travel

"Inhumane" sign at airport shocks travellers

A sign at a New Zealand airport has sparked outrage among travellers, with the policy controlling people's emotional farewells. Photos of the sign at Dunedin Airport have gone viral, with the sign reading, "Max. hug time 3 minutes. For fonder farewells please use the car park,” in an attempt to combat airport traffic congestion. Despite the reasons behind the unusual signage, some users on Facebook slamming the “inhumane” limit on travellers’ allotted time to say goodbye to loved ones. “You can’t put a time limit on hugs! that’s inhumane,” one person wrote. Another person chimed in, “I love it. It shows warmth and compassion. My local airport it would be ‘you can’t stop there’ – there’s a £100 fine if you stop and a minimum £5.00 to drop someone off in the drop-off zone. I love Nice airport – they have ‘Kiss and Fly.’” Others also joined in poking fun at the strange new rule, with one person writing, “I can see the airport worker now … 2:56, 2:57, 2:58, 2:59 OK time to break it up!” Another joked, “In America, they don’t even want you to stop. Just come to a slow roll and push your passenger out.” The airport's CEO Daniel De Bono said that it redesigned its drop-off zone to improve safety and congestion around the terminal, telling New Zealand’s RNZ radio the change was made due to space considerations. He said, “There’s only so much space we have in that drop-off area and too many people are spending too much time on their fonder farewells in the drop-off area. There’s no space for others.” De Bono then citied a study that suggests a measly 20-second hug is enough to get the oxytocin and serotonin release people get from hugging, saying, “We’re not here to tell people how long they should hug for. It’s more a message of, ‘Please move onwards.’ If you’re going to spend however long, sit in the car park. You get 15 minutes free and it provides space for others who only want a 20-second hug.” Image credits: Facebook

Travel Trouble

Readers response: What’s the best travel advice you’ve ever received?

When planning a holiday, it's not unlikely to receive travel advice from others who have explored the world. We asked our readers to share the best travel advice they have ever received, and the response was overwhelming. Here's what they said. Liz Mendygral - You must have travel insurance. Nancy Rogers - Travel light and clever. Anne Denise Houghton - If you are in a different country and see something you would really like to do, do it then as tomorrow you may miss the opportunity! Deedee Cullum - Get off the beaten tourist track and meet the real people. Karen Ambrose - When crossing the road in busy Vietnam cities, keep walking and the traffic will go around you. DON'T STOP! Fran Cresswell - Pack what you think you will need then take out half of it!! Bill King - Respect the customs of the country you are visiting. Lorraine Kirkwood - Pack a spare set of clothes and Pjs in your cabin luggage. When your suitcases get lost you are ok. Chris Walker - Go while you can. Terry Dolman - Book your flight way ahead. Saves mega $$. Denise Sutherland - Where your passport is concerned NEVER BEHAVE BADLY, save that for your backyard. Image credits: Shutterstock

Travel Tips

Eight simple changes to our neighbourhoods can help us age well

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/jerome-n-rachele-251972">Jerome N Rachele</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a>; <a href="https://theconversation.com/profiles/james-f-sallis-407885">James F Sallis</a>, <a href="https://theconversation.com/institutions/university-of-california-san-diego-1314">University of California, San Diego</a>, and <a href="https://theconversation.com/profiles/venurs-loh-118864">Venurs Loh</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a> Where we live can play a big part in ageing well, largely because of the links between physical activity and wellbeing. <a href="https://www.ahuri.edu.au/__data/assets/pdf_file/0012/2181/AHURI_Final_Report_No214_Downsizing-amongst-older-Australians.pdf">Research shows</a> that two-thirds of Australians prefer to age in place. That is, we want to live independently in our homes for as long as we can. Our neighbourhoods and their design can then improve or hinder our ability to get out of the house and be physically active. The rapid ageing of Australia’s population only adds to the importance of neighbourhood design. In 2016, 15% of Australians were aged 65 or older. That proportion is <a href="https://www.aihw.gov.au/reports-statistics/population-groups/older-people/overview">projected to double</a> by 2056. These trends present several <a href="https://www.aihw.gov.au/reports-statistics/population-groups/older-people/reports">social and economic challenges</a>, particularly for the health sector. Designing neighbourhoods in ways that promote physical activity can help overcome these challenges. <h2>Eight simple steps</h2> The following is a short list of <a href="https://ijbnpa.biomedcentral.com/articles/10.1186/s12966-017-0471-5">evidence-based steps</a> local and state governments can take to assist older people to be physically active. These involve minor but effective changes to neighbourhood design. Improve footpaths: Research indicates that older people have a <a href="https://theconversation.com/why-older-people-get-osteoporosis-and-have-falls-68145">higher risk of falls</a>. Ensuring footpaths are level and crack-free, and free from obstructions, will encourage walking among older people – especially those with a disability. Connected pedestrian networks: Introducing footpaths at the end of no-through-roads and across long street blocks reduces walking distances to destinations. This makes walking a more viable option. Slowing traffic in high-pedestrian areas: Slowing traffic <a href="https://www.heartfoundation.org.au/images/uploads/publications/Safe-Speed-Evidence-Report.pdf">improves safety</a> by reducing the risk of a collision. It also reduces the risk of <a href="https://www.ncbi.nlm.nih.gov/pubmed/28557669">death and serious injury</a> in the event of a collision. Age-friendly street crossings: Installing longer pedestrian crossing light sequences gives older pedestrians <a href="https://academic.oup.com/ageing/article/41/5/690/47318/Most-older-pedestrians-are-unable-to-cross-the">more time to cross</a>, and installing refuge islands means those who walk more slowly can cross the street in two stages. Disabled access at public transport: Although a form of motorised transport, public transport users undertake more incidental physical activity compared with car users. This is because they walk between transit stops and their origins and destinations. Improving disabled access helps make public transport a viable option for more older people. Places to rest: <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/1471-2458-13-1054">Providing rest spots</a> such as benches enables older people to break up their walk and rest when needed. Planting trees: Planting trees <a href="http://www.sciencedirect.com/science/article/pii/S0277953614004109?via%3Dihub">creates more pleasant scenery</a> to enjoy on a walk. It also provides shade on hot days. Improving safety: Ensuring that streets are well-lit and reducing graffiti and signs of decay are likely to <a href="https://www.ncbi.nlm.nih.gov/pubmed/24552845">improve perceptions of safety</a> among older people. <h2>Why physical activity matters</h2> Physical function – the ability to undertake everyday activities such as walking, bathing and climbing stairs – often declines as people age. The reason for this is that ageing is often accompanied by a reduction in muscle strength, flexibility and cardiorespiratory reserves. Regular physical activity can <a href="https://www.ncbi.nlm.nih.gov/pubmed/14552936">prevent or slow the decline</a> in physical function, even among those with existing health conditions. Middle-to-older aged adults can reduce their risk of physical function decline <a href="https://ijbnpa.biomedcentral.com/articles/10.1186/1479-5868-7-38">by 30%</a> with regular physical activity (at least 150 minutes per week). This includes recreational physical activity, like walking the dog, or incidental physical activity, such as walking to the shops or to visit friends. By making minor changes as outlined above, the health and longevity of our elderly population can be extended. Such changes will help our elderly age well in place. <a href="https://theconversation.com/profiles/jerome-n-rachele-251972">Jerome N Rachele</a>, Research Fellow in Social Epidemiology, Institute for Health and Ageing, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a>; <a href="https://theconversation.com/profiles/james-f-sallis-407885">James F Sallis</a>, Professorial Fellow, Institute for Health and Ageing, Australian Catholic University, and Emeritus Professor, Department of Family Medicine and Public Health, <a href="https://theconversation.com/institutions/university-of-california-san-diego-1314">University of California, San Diego</a>, and <a href="https://theconversation.com/profiles/venurs-loh-118864">Venurs Loh</a>, PhD Candidate, Institute for Health and Ageing, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/eight-simple-changes-to-our-neighbourhoods-can-help-us-age-well-83962">original article</a>. </div>

Travel Tips

Expert shares best destinations for solo female travellers

At 63 years old, Christina Ford is a seasoned traveller, with most of her travels being done alone. After exploring dozens of countries with just her own company, Ford has shared her tips on where to go and how to stay safe for other women who are contemplating seeing the world by themselves. When asked for her favourite destinations for solo female travellers, Ford told <a href="https://www.dailymail.co.uk/travel/article-13865159/solo-travel-tips-women-best-countries-italy-canada.html">MailOnline</a> that there are two places she will also recommend. She said, “I am a huge fan of Italy and have travelled there extensively. My favourite solo place is Cinque Terre, five ancient fishing villages connected by sea, train or hiking. It's the perfect combination of healthy living, gorgeous vistas and fabulous food.” Christina also recommends her home country of Canada as “great for solo travellers”, explaining, “If you prefer something more urban, Toronto is a fantastic choice. Often described as New York run by the Swiss, it’s a great food town with safe and clean public transit. As a solo traveller, it’s easy to get a single ticket for a Broadway-style show.” “Canada is generally a safe country filled with friendly people who will gladly point you in the right direction - and probably apologise if you get lost. But part of the fun and growth of travelling is allowing yourself to get lost!” Christina went on to emphasise that “safety is crucial” for solo women travellers, and recommended to always carry a phone charger as “you never know where the day could take you” and sharing your live location with a friend or family member can provide peace of mind. She also always pins her hotel's location on Google Maps and advises “using your common sense” around “sketchy areas”, and also recommends not travelling anywhere without travel insurance. After falling in love with travelling solo, Christina wants to share how valuable travelling alone is, and urges women not to be dissuaded by seeing the world if you don’t have a companion. She said, “There are so many fabulous things about travelling solo. You’re on your own schedule, doing what you want to do. Your time is your own, and you can pivot at any moment.” “And you meet new people. Far more than if you were travelling with someone. Plus, you learn how capable you are. I’ve learned more about myself travelling alone than at almost any other time - it’s amazing discovering what great company you are!” Image credits: Instagram

Travel Tips

Warning for travellers after Gold Coast man cops $13k fine

A man has copped a whopping fine after allegedly hurling abuse at airline staff at the Gold Coast airport. The 61-year-old man from Tasmania has been accused of verbally abusing an airport staff member before failing to co-operate with intervening police, and has subsequently been charged with allegedly obstructing police and being a public nuisance. The man faced Coolangatta Magistrates Court on Monday, with the Federal Police warning other travellers that such behaviour would warrant a fine. “The maximum penalty for each offence is six months’ imprisonment or a $6452 fine,” the AFP said. The AFP warned travellers aggression would not be tolerated in airports, as Superintendent Mark Yarrow said, “Our airports are a shared space and airport staff should not be subjected to verbal abuse or any other bad behaviour.” “Our airports are a shared space and airport staff should not be subjected to verbal abuse or any other bad behaviour." “The AFP works closely with our partners in the airline industry to intervene if anyone’s behaviour in or around an airport becomes aggressive.” Image credits: Shutterstock

Travel Trouble

The science of happier dogs: 5 tips to help your canine friends live their best life

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/mia-cobb-15211">Mia Cobb</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> When you hear about “science focused on how dogs can live their best lives with us” it sounds like an imaginary job made up by a child. However, the field of <a href="https://www.rnz.co.nz/podcast/ourchangingworld?share=2ec8e0ad-5008-4b2d-ae2e-a288e2a77f50">animal welfare science is real</a> and influential. As our most popular animal companion and coworker, dogs are very deserving of scientific attention. In recent years we’ve learned more about <a href="https://theconversation.com/dogs-can-get-dementia-but-lots-of-walks-may-lower-the-risk-189297">how dogs are similar to people</a>, but also how they are distinctly themselves. We often think about how dogs help us – as companions, <a href="https://theconversation.com/meet-moss-the-detection-dog-helping-tassie-devils-find-love-142909">working as detectors</a>, and keeping us <a href="https://theconversation.com/is-owning-a-dog-good-for-your-health-238888">safe and healthy</a>. Dog-centric science helps us <a href="https://www.frontiersin.org/journals/veterinary-science/articles/10.3389/fvets.2021.666898/full">think about the world from a four-paw perspective</a> and apply this new knowledge so dogs can enjoy a good life. Here are five tips to keep the tails in your life wagging happily. <h2>1. Let dogs sniff</h2> Sniffing <a href="https://www.psychologytoday.com/intl/blog/animal-emotions/201902/allowing-dogs-sniff-helps-them-think-positively">makes dogs happier</a>. We tend to forget they live in a smell-based world because we’re so visual. Often taking the dog for a walk is our daily physical activity but we should remember it could be our dogs’ only time out of the home environment. Letting them have a really good sniff of that tree or post is full of satisfying information for them. It’s their nose’s equivalent of us standing at the top of a mountain and enjoying a rich, colour-soaked, sunset view. <h2>2. Give dogs agency</h2> Agency is a <a href="https://www.frontiersin.org/journals/veterinary-science/articles/10.3389/fvets.2023.1284869/full">hot topic in animal welfare science</a> right now. For people who lived through the frustration of strict lockdowns in the early years of COVID, it’s easy to remember how not being able to go where we wanted, or see who we wanted, when we wanted, impacted our mental health. We’ve now learned that <a href="https://www.frontiersin.org/journals/veterinary-science/articles/10.3389/fvets.2023.1250251/full">giving animals choice and control</a> in their lives is important for their mental wellbeing too. We can help our dogs enjoy better welfare by creating more choices and offering them control to exercise their agency. This might be installing a doggy door so they can go outside or inside when they like. It could be letting them decide which sniffy path to take through your local park. Perhaps it’s choosing which three toys to play with that day from a larger collection that gets rotated around. Maybe it’s putting an old blanket down in a new location where you’ve noticed the sun hits the floor for them to relax on. Providing choices doesn’t have to be complicated or expensive. <h2>3. Recognise all dogs are individuals</h2> People commonly ascribe certain personality traits to certain dog breeds. But just like us, dogs have their own personalities <a href="https://scitechdaily.com/food-vs-toys-scientists-reveal-what-dogs-truly-prefer/">and preferences</a>. Not all dogs are going to like the same things and a new dog we live with may be completely different to the last one. One dog might like to go to the dog park and run around with other dogs at high speed for an hour, while another dog would much rather hang out with you chewing on something in the garden. We can see as much <a href="https://www.science.org/content/article/your-dog-s-breed-doesn-t-determine-its-personality-study-suggests">behavioural variation within breeds as we do between them</a>. Being prepared to meet dogs where they are, as individuals, is important to their welfare. As well as noticing what dogs like to do as individuals, it’s important not to force dogs into situations they don’t enjoy. <a href="https://www.rspca.org.uk/adviceandwelfare/pets/dogs/behaviour/understanding">Pay attention to behaviour</a> that indicates dogs aren’t comfortable, such as looking away, licking their lips or yawning. <h2>4. Respect dogs’ choice to opt out</h2> Even in our homes, we can provide options if our dogs don’t want to share in every activity with us. Having a quiet place that dogs can retreat to is really important in enabling them to opt out if they want to. If you’re watching television loudly, it may be too much for <a href="https://www.psychologytoday.com/au/blog/canine-corner/202407/how-good-is-a-dogs-hearing-compared-to-humans">their sensitive ears</a>. Ensure a door is open to another room so they can retreat. Some dogs might feel overwhelmed when visitors come over; giving them somewhere safe and quiet to go rather than forcing an interaction will help them cope. Dogs can be terrific role models for children when teaching empathy. We can demonstrate consent by letting dogs approach us for pats and depart when they want. Like seeing exotic animals perform in circuses, dressing up dogs for our own entertainment seems to have had its day. If you asked most dogs, they don’t want to wear costumes or be part of your Halloween adventures. <h2>5. Opportunities for off-lead activity – safely.</h2> When dogs are allowed to run off-lead, they use space differently. They tend to explore more widely and go faster than they do when walking with us on-lead. This offers them important and fun physical activity to keep them fit and healthy. <figure><iframe src="https://www.youtube.com/embed/2AchEFiDwA8?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>Demonstrating how dogs walk differently when on- and off-lead.</figcaption></figure> A recent exploration of <a href="https://pursuit.unimelb.edu.au/articles/we-checked-if-melbourne-really-is-a-dog-friendly-city">how liveable cities are for dogs</a> mapped all the designated areas for dogs to run off-leash. Doggy density ranged from one dog for every six people to one dog for every 30 people, depending on where you live. It also considered how access to these areas related to the annual registration fees for dogs in each government area compared, with surprising differences noted across greater Melbourne. We noted fees varied between A$37 and $84, and these didn’t relate to how many off-lead areas you could access. For dog-loving nations, such as Australia, helping our canine friends live their best life feels good. <a href="https://www.rnz.co.nz/national/programmes/afternoons/audio/2018957756/our-changing-world-the-science-behind-dog-welfare">Science that comes from a four-paw perspective</a> can help us reconsider our everyday interactions with dogs and influence positive changes so we can live well, together.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/236952/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/mia-cobb-15211">Mia Cobb</a>, Research Fellow, Animal Welfare Science Centre, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-science-of-happier-dogs-5-tips-to-help-your-canine-friends-live-their-best-life-236952">original article</a>. </div>

Family & Pets

5 ways to reduce everyday bills

It’s not uncommon to get to the end of the month and be surprised by a figure in your bills. But this surprise needn’t be unpleasant. There is wide a range of simple measures you can employ to reduce your monthly bills without too much effort. Follow these five simple tips and save money. 1. Food and groceries Food can be a problem area in the average Australian’s budget, either because we’re physically eating too much, eating out too much or spending too much money on groceries. But that doesn’t mean you have to transition to a Spartan diet. Here’s how you can save on your grocery bill: <ul> <li>Reduce the amount of times you’re eating out or getting takeout a week</li> <li>Use a shopping list and coupons, pay for groceries (this means you’re less likely to splurge on items that you don’t need) and buy more non-perishable foods to store and save</li> <li>Consider starting a garden and grow your own fruit and veggies</li> </ul> 2. Energy Many people have found their energy bills have been increasingly steady over the past through years, but this doesn’t mean you have to be part of that trend. With a little bit of ingenuity and not a lot of fuss you can make your house energy efficient and enjoy huge power bill savings: <ul> <li>Switch to energy-efficient light bulbs. In many cases these bulbs do cost more than traditional bulbs, but they use much less energy and can last up to 10 times longer</li> <li>Unplug unused electrical devices that are draining electricity</li> <li>Make sure you home is airtight to prevent cold drafts in winter and the loss of cool air in summer. This will also reduce your heating/cooling bills accordingly</li> </ul> 3. Cars As fuel, registration and maintenance costs start to pile up, a car can seem less like a convenience and more like a money pit rolling around on four wheels. That being said, there is a range of ways you can enjoy the access vehicle ownerships provides, without having to pay through your nose: <ul> <li>Underinflated tyres reduces the value of your cars fuel economy significantly, so make sure you take a couple of minutes to check the air pressure and reinflate once a month</li> <li>Consider selling a vehicle if you’re not using it often. Without taking the cost of parking and toll roads into account driving vehicles costs thousands of dollars a year</li> <li>Use more public transport and consider setting up car pools with friends/colleagues</li> </ul> 4. Grooming and beauty Looking and feeling great is important, but it doesn’t necessarily have to be a hugely expensive ordeal. With a little bit of ingenuity, creativity and willingness to not spend $10,000 on that jewel encrusted headdress you can still be the belle/male-belle of the ball without breaking the bank: <ul> <li>Reduce the amount of money you spend on clothing by keeping your eye on sales</li> <li>Consider lower cost alternatives to your favourite beauty products</li> <li>Cut back on the amount of times you have your hair cut and styled</li> </ul> 5. Additional entertainment expenses Your deluxe gym membership might give you access to the power lifting body attack class, but are you really getting the full value for it and the other regular entertainment expenses you’ve signed up for? There are still ways to stay entertained without having to break the bank every week. <ul> <li>Consider cancelling club memberships for places you don’t visit often</li> <li>Investigate free events and inexpensive entertainment ideas like cheap movies Tuesdays</li> <li>Magazine and newspaper subscriptions can also become expensive if you’re not actually reading the papers, as well as pay television services that can be easily eliminated</li> </ul> Image credits: Shutterstock

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