With Australia well and truly in the depths of winter, you may be thinking about sunnier locations and deck chairs or making the most of the cold and heading off on a ski holiday.
Wherever you are planning to travel next, here is the essential holiday packing list that can help you make the most of your time away.
1. There are lots of ways you may choose to fund a trip and it is important to decide which option best suits your needs. Opening a savings account  solely for the purpose of putting away a small amount regularly for your holiday can be an excellent way of affording to treat yourself to a break. Alternatively, you might look at options including a personal loan , using a credit card,  or redrawing or refinancing your mortgage.
2. If you aren’t sure which option for financing your holiday is best for you, have a chat with your bank relationship advisor or make an appointment with a financial planner . They can help you understand the difference between each option and the impact they could have on your other financial goals. Bank staff can help with what’s available in the marketplace to help you make the most of whichever option you settle on – for example, point you towards a lower interest loan, a higher interest rate savings product.
3. When travelling overseas, it is likely you will need the local currency. Decisions have to be made about how much currency you need, and how you will purchase it. Multi-Currency Cash Passports  are a great way to have different currency amounts on one easy card for your travel. And buying before you go can give you a level of comfort that you will be ready to hit the ground running without needing to try and find an ATM.
It can also allow you to buy at a time when you think the exchange rate is good and you want to lock it in. For the month of July, Beyond Bank has a special discounted rate for people using its new online foreign cash ordering service. The online foreign cash ordering service lets you order what you need online and then pick up at your local branch. If you order online before 31 July, the online order fee will be waived .
4. When it comes to spending, be aware that if you are away from home, costs can differ and are not always exactly what is on the price tag. You may need to account for local taxes and duties, tips, and fluctuations in exchange rates. Some hotels can have relatively hidden costs, such as resort fees which have been estimated to add up to 30 per cent to your room rate. Do your homework and factor these types of expenses into your budget to avoid bill shock when you get home.
5. We all travel with an amazing array of electronic devices. Before you go, make sure you have organised access to your bank account or credit card details on at least one of these, so you can keep track of spending or check your balances if you have any concerns. And of course, make sure you know the contact numbers of your financial institution in case you need assistance while you are away.
6. Don’t forget travel insurance , it’s so important and the difference between a great holiday and a holiday you could be paying off for a very long time. Beyond Bank can help you with this, so give us a call on 13 25 85 to obtain a competitive quote.
7. And lastly, it’s a good idea to take photocopies of all your cards, passport and drivers licence as well as your travel insurance documents and leave them at home with a friend. That way if anything goes amiss, their details are easily accessed over the phone. Be sure to let your bank know when and where you are travelling so they can keep an eye out for any suspicious transactions.
8. But most important, have fun, take too many photos and travel safely!