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Battling to make ends meet? Financial planning expert offers 5 tips on how to build your budget

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Every day seems to bring new headlines about rising costs. <a href="https://www.news24.com/news24/africa/news/nigerias-big-unions-call-indefinite-strike-over-fuel-prices-and-the-cost-of-living-20230926">In Nigeria</a>, unions are threatening to strike amid soaring fuel prices; the country’s inflation rate <a href="https://www.cbn.gov.ng/rates/inflrates.asp">hit 25%</a> in August. The amount it costs to fill a food basket in South Africa <a href="https://pmbejd.org.za/wp-content/uploads/2023/09/PMBEJD_Key-Data_September-2023_27092023.pdf">keeps climbing</a>. Ghanaians <a href="https://www.reuters.com/world/africa/multi-day-protests-over-economic-crisis-grip-ghanas-capital-2023-09-23/">took to the streets</a> of Accra in late September to protest about the cost of living. A <a href="https://www2.deloitte.com/us/en/insights/industry/retail-distribution/consumer-behavior-trends-state-of-the-consumer-tracker.html">recent study by the audit and consulting firm Deloitte</a> found that 75% of South Africans were concerned that the prices for everyday purchases would continue to increase, while 80% of consumers across all income groups expected the prices of groceries, household utilities and fuel to rise. This stark reality means budgeting may be more necessary than ever. If you don’t know how to create a budget, then you shouldn’t feel bad – most adults aren’t taught how to create one. And most people don’t budget, because they see it as restrictive or unsustainable. But it need not be: once you appreciate that a budget can work for you, it can be a financially empowering exercise. It’s a cornerstone of financial planning because it ensures you are living within your means and helps you remain in financial control. As a financial planning academic, I focus in <a href="https://researchprofiles.canberra.edu.au/en/persons/bomikazi-zeka/publications/">my research</a> on improving financial wellbeing and promoting savings behaviours through interventions such as budgeting. Here are five guidelines for creating a budget. <h2>1. Apps vs spreadsheet</h2> A good place to start is to choose the format of how you’re going to budget. There are several <a href="https://www.sanlamreality.co.za/wealth-sense/setting-up-a-family-budget-that-works/">online templates</a> and apps you can use for budgeting. For instance, <a href="https://www.22seven.com/">22Seven</a> has gained popularity in South Africa due to its compatibility with several financial institutions, including the country’s big five banks. Similarly, <a href="https://www.the-star.co.ke/business/kenya/2021-01-25-budgeting-using-mint-app/">Mint</a> is a popular budgeting tool that is used in Kenya and Nigeria. If you prefer to put pen to paper, some online templates come with <a href="https://www.wonga.co.za/blog/free-budget-template">free printable budgets</a>. Creating your own <a href="https://create.microsoft.com/en-us/learn/articles/how-to-make-excel-budget">Excel spreadsheet</a> is an equally good approach. What matters most is using a tool that you can commit to. <h2>2. Itemising your income and expenses</h2> A budget essentially shows how much you’re spending in relation to how much you’re earning. So once you have selected your budgeting tool, you need to fill in your income and itemise how much you’re spending on each expense in a month. A budget can be considered a cashflow statement because it allows you to track money coming in (income) and money going out (expenses). If you are living within your means, your budget should indicate a surplus – more cash inflows than cash outflows. So budgeting provides an accurate account of your short-term financial position. <h2>3. A realistic account of expenses</h2> When you look at your financial statements, fill your expenses into your budget honestly and accurately. Don’t cheat! Since everyone’s financial situation is different, your budget will also be unique. Even though there is no one-size-fits-all approach to budgeting, it should still consider all of your expenses (both regular and intermittent). A general rule of thumb is that if it’s deducted from your account then you should treat it as an expense. This includes payments for housing, medical insurance, fuel, dining out, credit card repayments and even bank fees. <h2>4. Save first, spend later</h2> Now you’ve seen how much you’re spending. Either it’s too much – and you can plan where to cut back – or you have savings at the end of the month. When compiling your budget it’s important to demarcate how much will be in the form of savings. What’s more important is getting into the habit of saving before you spend instead of saving after spending. If you spend first then you’ve deprived yourself of the opportunity to save for a rainy day. Furthermore, <a href="https://eprints.hud.ac.uk/id/eprint/10231/1/Microsoft_Word_-_submitted_version_3rd_June_201.pdf">research</a> has shown that getting into the habit of saving has a transgenerational effect: it can be considered a cultural value that is passed on from one generation to another. So think of saving as paying yourself first. Once you have done so, you won’t feel guilty for treating yourself because you’ve already done the financially responsible thing by putting your savings aside. <h2>5. Considering assets and liabilities</h2> Once you’ve become comfortable with consistently budgeting, you can take it up a notch by including your assets (everything you own with an economic value) and liabilities (everything you owe) to determine your overall financial position. You can get a clearer picture of your overall financial wellbeing by compiling a list of all your assets, for example your savings and <a href="https://www.investopedia.com/terms/h/home_equity.asp">home equity</a>, in relation to liabilities (such as bank loans). Knowing your long-term financial position can indicate how financially resilient or vulnerable you are. In the event of a financial emergency, you will know which resources you can draw upon to meet an unexpected expense. By creating a budget (and sticking to it), you can protect yourself and your household from financial shocks. Consider the alternative. Imagine you haven’t budgeted and set savings aside. If a financial emergency were to arise, your next best bet would be to borrow the funds you need. You’d have to come up with a plan to repay what you’d borrowed while also building your savings. <h2>A healthy habit</h2> Getting into the habit of budgeting isn’t easy, especially if you haven’t done it before or you’re intimidated by the process. But, as the expression goes, “a journey of a thousand miles begins with a single step”. Think of budgeting as taking a small but important step towards reclaiming control over your finances and improving your financial well-being.<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/214861/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Image credits: Getty Images 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/battling-to-make-ends-meet-financial-planning-expert-offers-5-tips-on-how-to-build-your-budget-214861">original article</a>. </div>

Money & Banking

Insider spills on Robert Irwin's plans for I'm a Celeb

Robert Irwin received rave reviews for his co-hosting skills alongside Julia Morris on this year's I'm a Celebrity...Get Me Out of Here, but an insider has claimed that he won't be returning for another season. "His easygoing and faultless live TV skills have won over the nation. But his career at Ten will only be short-lived, and he is heading back to Seven," a source told Woman's Day. The negotiation is believed to have been orchestrated by the ultimate "mumager" Terri Irwin. "The Irwins are very smart when it comes to negotiations," the insider added. The source also claimed that Robert's decision to join I'm a Celebrity was seen as a one-off opportunity to elevate his television profile - which he has achieved after bringing fresh energy into the show. Channel Seven is reportedly keen to welcome Robert back with a massive deal, according to the source. "Seven want Robert back and have thrown a king's ransom at him," they said. If the deal goes through, Julia Morris will have to find a new partner to head to the jungle with. Many fans have praised Robert for bringing some fun into the jungle. "I have not ever been keen on watching this show but Robert you have brought some class and good honest fun to the jungle. Thank you," one fan wrote under a clip of the show's grand finale that Robert posted on his Instagram. "How awesome was Robert? This gig was like it was made for him. What a natural," another added. "Best year of I'm a Celebrity, and it was because you added something to the show as Co-Host. Brilliant job for somebody with no experience but with a lot to give," commented a third. Images: Instagram

Seven's insane plan to ambush Lisa Wilkinson exposed

A bizarre plan pitched by Channel Seven for Bruce Lehrmann to ambush Lisa Wilkinson has been revealed. According to several close friends of Mr Lehrmann, Channel Seven's Spotlight program suggested that Lehrmann hover around the Sydney suburb of Cremorne in the hopes of catching Lisa Wilkinson unawares. They proceeded to explain to <a href="https://www.news.com.au/national/nsw-act/sevens-plan-for-bruce-lehrmann-to-ambush-lisa-wilkinson-in-public/news-story/1e6df346affc123ad23f1f7efcb12136" target="_blank" rel="noopener">news.com.au</a> how they wanted Lehrmann to confront Wilkinson while a cameraman stood close in the hopes of manufacturing a must-see TV moment. Mr Lehrmann's friends said he was not keen on the idea, although the program continued to suggest the ambush. As the fallout continues over untested allegations in the Federal Court that Mr Lehrmann leaked Brittany Higgins’ private text messages to the current affairs program, the former Liberal staffer’s mates are spilling the beans on claims of the program’s bizarre plan. “Bruce very much wanted a third program. But that was a bridge too far," another friend said. “Seven were desperate for ideas. They raised it several times. On many occasions I met with Bruce after meetings and they were pushing for it." “The plan as described was (they) wanted Bruce to be at a local cafe that they knew Lisa Wilkinson would go to and they would have a TV camera confront her.” When asked what Mr Lehrmann planned to say during the ambush, the friend admitted, “I dunno. I don’t know if they thought that far ahead.” Mr Lehrmann’s inner circle claim that it was just one of a number of wild ideas floated by Spotlight producer Steve Jackson as they pitched ideas for future programs about Lehrmann. Another confidante of Mr Lehrmann’s said the Wilkinson plan was “bizarre” and joked it seemed to involve Mr Lehrmann jumping from behind a pot plant to startle the TV star, an idea the former Liberal staffer wasn't keen for, despite the Seven “ideas factory”. “It wasn’t something that Bruce (Lehrmann) pushed," the source said. “Spotlight had a million viewers and so they were always looking for any excuse for a third program. The plan was to spark some sort of public row.” Mr Lehrmann’s criminal trial was delayed in the wake of Wilkinson’s ill-fated Logies speech, but his barrister Steve Whybrow SC has hailed the speech as keeping him out of jail. “Frankly, if it wasn’t for Lisa Wilkinson’s speech at the Logies, Bruce would probably be in jail. Thank God for that speech," Mr Whybrow said. Image credits: Getty Images

Legal

Clive Palmer's plans to build Titanic II resurface

Just when you thought we'd exhausted all of the possible billionaire pet projects, Clive Palmer, the Queensland mining magnate with pockets deeper than the Mariana Trench, has once again proven us wrong. For more than a decade now, Palmer has harboured a peculiar obsession: resurrecting the ghost of the Titanic, the world's most infamous maritime disaster. Palmer wants to build Titanic II, because when you've got more money than you can count, why not embark on a maritime venture that's already synonymous with catastrophe? Palmer, with the audacity only wealth can afford, has been pushing for this Titanic replica since 2012. Not content with merely one failed attempt, he launched the project again in 2018. Now, after another six years and a global pandemic, he's dusting off his captain's hat and setting sail once more, announcing the Titanic II's re-launch at the Sydney Opera House (because when you're Clive Palmer, a press conference venue like the local community centre just doesn't cut it). But why, you may ask? According to Palmer himself, it's a simple matter of economics: "I’ve got two options, either give my wife more money for shopping or spend it on the Titanic and I’m spending it on the Titanic because she’s shopped enough." Ah, yes, the age-old dilemma of whether to buy your spouse another designer handbag or fund a one-billion-dollar replica of a ship that sank over a century ago. We've all been there. Despite the naysayers who dismissed Palmer's dream as nothing more than the folly of a rich eccentric, he remains undeterred. Now, with the pandemic in the rearview mirror and cruise ships once again cruising, Palmer sees this as the perfect time to resurrect his Titanic dream. Because what better way to celebrate the end of a global health crisis than by building a monument to maritime tragedy? Palmer assures us that this time around, things will be different. The plans are similar to previous iterations, but now they comply with current regulations. Tenders are being sought, with plans to confirm a shipbuilder by year's end with the intention of setting sail by 2027. And what can prospective passengers expect from this seafaring spectacle? Well, according to Palmer's team, an eight-minute video featuring period costumes and a layout straight out of the early 1900s. Passengers will even be encouraged to dress the part (though that's not compulsory; nothing screams "fun vacation" like wearing corsets and three-piece suits in the middle of the ocean). But fear not, third-class passengers, you won't be left out of this Titanic experience. You'll get to enjoy stew and mash at communal dining tables, just like the good old days. Although, for those who prefer their meals without a side of historical accuracy, other options will be available. In amongst of all this, Palmer has grandiose visions of Titanic II as a symbol of world peace. “We all know how to make war," he announced at the press launch. "We get armies and we fund wars. People know about that. But it is a lot harder to make peace. To make peace you have got to stick with it every day. You progress inch by inch. “Titanic ll is something that can provide peace. It can be a ship of peace between all countries of the world. Millions have dreamt of sailing on her, seeing her in port and experiencing her unique majesty. Titanic ll will be the ship where those dreams come true.” So, as Palmer sets sail on his quixotic quest to recreate history, we can't help but wonder: Is Titanic II a testament to human ingenuity or just another billionaire's folly? Only time will tell. But if history has taught us anything, it's that sometimes, even the grandest dreams can end up at the bottom of the ocean. Images: Rod Eime / Wikimedia

Cruising

Hundreds of mourners seek change after Vyleen White funeral

The tragic death of Vyleen White, a beloved grandmother from Queensland, has not only left a family grieving but has also ignited a fervent call for justice and societal change. As her loved ones gather to mourn her passing, they are steadfast in their determination to ensure that her memory is defined not by the senseless violence that took her life but by the love and compassion she embodied. Vyleen White's daughter, Cindy Micallef, eloquently captured the essence of her mother's life during an emotional eulogy at the funeral service on Thursday, saying that that her legacy will endure through the love she shared and the lives she touched. White, a vibrant 70-year-old known for her unwavering kindness, <a href="https://www.oversixty.com.au/health/caring/grandmother-fatally-stabbed-in-front-of-granddaughter" target="_blank" rel="noopener">was tragically stabbed</a> outside a shopping centre in Redbank Plains, sparking outrage and prompting a community-wide outcry against youth crime. Despite the profound grief felt by those who knew her, Micallef expressed a firm resolve to seek justice for her mother. With a steely determination, she declared that her family would not rest until those responsible were held accountable. “We want to move forward and mum’s legacy will live on and we’re not going to let that go,” Micallef said. “We’re going to make sure we get justice for mum and nothing will stop us until that happens.” The impact of White's death reverberated beyond her immediate circle, prompting widespread calls for reform in the Queensland community. Proposals for tougher youth justice measures, including "Vyleen's Law", seek to address the root causes of youth offending and ensure that perpetrators face appropriate consequences for their actions. Additionally, legislative changes aimed at improving transparency in court proceedings and restricting access to weapons underscore a commitment to preventing further violence. Amid the grief and outrage, White's family and friends fondly recalled her vibrant spirit and unwavering love. Whether it was her devotion to her beloved cat, her infectious laughter, or her boundless capacity for compassion, White's presence left an indelible mark on all who knew her. Image: Supplied.

Caring

“My sister-in-law announced she was pregnant at my child’s funeral”

A woman has asked for advice on how to navigate her relationship with her sister-in-law, after the woman overheard an inappropriate conversation at her child’s funeral. The grieving mother, a 28-year-old named Melissa, took to Reddit to share the heartbreaking story of how her toddler passed away after a battle with cancer. Melissa described the time as the “hardest in my life”, explaining how she felt she lost “a part of herself” after the funeral. While Melissa expected her toddlers’ memorial service to be difficult, she never predicted a family member would make it even harder. The mother said that when she heard her sister-in-law telling people about her pregnancy, she thought the move was just cruel. “She didn't make a big announcement but more than ten people at the service 'heard' and it's what everyone was talking about. To understate it, I was livid,” Melissa wrote on Reddit. Melissa’s post then asked social media users for advice, as she was unsure how much of a relationship she wanted to have with her sister-in-law after the stunt. The 28-year-old shared that she had fallen pregnant herself, and was facing pressure to have a party in celebration, but she didn’t want her whole family in attendance. “I've been working on who I want to invite, and I really don't want my SIL there,” she said. “Besides what she did, she's a vindictive and mean person and I cannot stand her.” “I mentioned it to my husband and he says he couldn't care less whether she's there or not. But for the sake of saving face, I want opinions before I do this.” She asked the online forum if she would be “an a**hole” for not inviting her, addin that she would still be inviting her husband's other sister and husband's brother's wife. “The original SIL will be the only one not invited,” she clarified. The post was flooded with comments as many backed up Melissa, slamming the sister-in-law for her selfish behaviour. “I wouldn't want someone like that around me. Announcing a pregnancy at a child's funeral is insane,” one said. “Cut her off and ignore everyone close to her. You are right to have nothing to do with her. She's totally classless.” However, others encouraged her to have an adult conversation with her sister-in-law in an attempt to mend their relationship. “Please let it go,” one person began. “This happened on a terrible day during a bad time for you. It's possible that could be clouding how you're looking at this, she may not have been malicious at all.” Image credits: Shutterstock

Family & Pets

"I want answers": Simon Dorante-Day's cunning plan to prove royal connections

The Queensland man claiming to be the son of King Charles and Queen Camilla has shared his new plan to prove once and for all that he has royal family connections. Simon Dorante-Day has long claimed through his 30 years of research, he discovered that he is the illegitimate son of the monarch, and has attempted to prove his theory through various means. Now, his new plan to get his hands on royal DNA to unequivocally prove his family heritage involves another member of the royal family. Speaking with <a href="https://7news.com.au/lifestyle/aussie-man-claiming-to-be-charles-son-drops-new-prince-harry-dna-bombshell-c-13488374" target="_blank" rel="noopener">7News</a>, the 57-year-old said he and his wife have been told by a “trusted source” that Prince Harry could be amenable to helping them gather proof. “We got advice from a really good, really trusted source that we should approach Harry and make a connection there and ask for DNA,” Elvianna said. Simon added, “I was really taken aback when he said that. But it’s definitely something I’m going to do. I’ve long been a supporter of Harry and Meghan, I think it’s disgraceful the way they’ve been treated by the royal family." “The way they are treated on social media too, it’s just one big ‘Punch-Meghan-and-Harry-a-thon’, seriously. It’s really starting to annoy me." He said he is planning to "make contact with him and explore this as an opportunity," pointing out that the royal family's treatment of Harry could make him more willing to help. "At the end of the day, I feel like he just might be as keen as I am to expose what Charles and Camilla and the powers that be have done to me. The injustice." “It’s worth me pointing out that Charles and Camilla, Buckingham Palace, the entire royal family - not one of them has ever said my claims are not true. They’ve never denied what I believe, told me I’m wrong." Simon said “the wheels are in motion” in terms of making contact with Prince Harry, and that he’s hopeful of a positive outcome. “I want answers,” he said. “And I feel Prince Harry is the man to help me find them.” “And I think their silence speaks volumes.” Simon said “the wheels are in motion” in terms of making contact with Prince Harry, and that he’s hopeful of a positive outcome. “I want answers,” he said. “And I feel Prince Harry is the man to help me find them.” Image credits: Facebook / Getty Images

Family & Pets

“I’ll see you again one day”: Sister of slain doctor’s emotional tribute

Dr Ash Gordon has been farewelled in an emotional memorial service, with his family and friends joining together to honour the slain doctor. The 33-year-old died after a violent altercation following a home invasion on January 13th in the Melbourne suburb of Doncaster. Loved ones gathered at Kernot Hall, in Morwell, south-east Victoria, to honour his life and share in their grief. Funeral celebrant Elisha Dowsett opened the funeral by encouraging the mourners to “leave the anger” and focus on remembering Dr Gordon’s celebrated life. “He warmed the hearts of anyone lucky enough to cross paths with him,” she said. “He was a strong, compassionate, funny, driven, determined and cheeky man. He filled this dark and unpredictable world with genuine goodness.” Dr Gordon’s sister Natalie spoke to the congregation, sharing how she will “never get over his death”. “He was a huge part of our lives. He always encouraged me to take risks because he would say, ‘if you don’t, you’ll wonder what if’,” she said. Breaking down in tears, Ms Gordon told mourners she had promised to “take the risk and live the life I dreamt of just as he did”. “This isn’t goodbye little brother, this is see you soon. I’ll see you again one day,” Ms Gordon said. “And, when I do, I can't wait for you to tell me how bad my wrinkles are and for you to give me a big hug. Until we meet again Brother Bear.” Ash’s other sister Tammy Gordon said she “cannot express” how proud she is to call Dr Gordon her brother. “Losing a sibling is losing the person you can truly be yourself with,” she said. Following the passing of Dr Gordon, two 16-year-olds were <a href="https://oversixty.com.au/news/news/major-update-in-tragic-death-of-young-melbourne-doctor">charged</a> with murder, aggravated burglary and theft over his death. The teenagers allegedly broke into the home of 33-year-old Dr Ash Gordon, when the doctor then pursued the intruders after they fled the house. The teens then became violent, allegedly stabbing Dr Gordon several times and leaving him to die a kilometre from his home. Image credits: YouTube

Caring

7 things you should never say at a funeral

What not to say at a funeral Struggling to find the right words to convey sympathy at a funeral? Even the most well-intentioned comments can come across as hurtful instead of helpful. Here are some common phrases you should never say at a funeral –and what to say instead. Never say "I know how you feel" at a funeral Instead, say: “I can’t imagine how you feel.” By the time we’re adults, most of us will have experienced the loss of a family member, friend or colleague. What’s important to note, however, is that although the phases of grief are similar, we don’t necessarily know how another grieving individual truly feels. “Everyone’s experience is unique,” says Jaime Bickerton, executive director of Bereaved Families of Ontario in Canada. “Everyone’s loss is the worst, because it’s theirs.” It can help to think of yourself in a helper role, says author and grief counsellor, Dr Alan Wolfelt. “Walk ‘with,’ not ‘behind’ or ‘in front of’ the person who is mourning.” "Time heals all wounds" is something you should never say at a funeral Instead, say: “Take the time you need and be gentle with yourself.” “There’s no formula when it comes to grief,” says Asya Hadzismajlovic, bereavement expert. “It comes in waves.” The grieving process takes time and important dates like anniversaries and birthdays can trigger an emotional tsunami. Allow the bereaved to move through that process at his or her own pace, advises Wolfelt. “Don’t force your timetable for healing. Allow them to experience all the hurt, sorrow and pain he or she is feeling at the time.” Never say “At least he didn’t suffer,” “At least she made it to her birthday,” or “At least she died doing what she loved” at a funeral Instead, say: “I am here for you.” It’s best to avoid any statements that begin with “at least,” notes Bickerton. These sentiments are often an attempt to make dark days more bearable, but they won’t diminish the pain of losing a loved one. What the person grieving really needs is your quiet presence, says Hadzismajlovic. Check in during the day of the funeral and beyond. “People just want to be heard; to be listened to,” she says. “We say that grief shared is grief lessened.” “Let me know what I can do” is something you should never say at a funeral Instead, say: “Here’s what I can do for you…” This comment places the burden on the bereaved to reach out for help at a time when they likely don’t know what they need, explains Bickerton. Running a few loads of their laundry, tidying their house or yard and preparing meals are just a few ways to genuinely show you care as opposed to merely saying you care. “If they have 38 casseroles, make the 39th,” says Wolfelt. “Deliver it in your best dish and say you will be over in a week to pick it up. This provides you with an opportunity to check in.” Never say “She’s in a better place” at a funeral Instead, say: “She will be missed.” “Most likely, the person grieving is thinking the best place for [the deceased] to be is with them,” says Bickerton. “There’s also a danger of assuming the person ascribes to certain beliefs, which may not be the case.” Simply show your support for your grieving friend, colleague or family member, advises Wolfelt. “At the funeral, a touch of your hand, a look in your eye or even a hug often communicates more than words can say.” Never say “It was his time” at a funeral Instead, say: “I am so sorry for the loss of your precious [person’s name].” “This platitude can be particularly upsetting for the grieving person to hear as it implies a reason for the death when they may be feeling the death was senseless or irrational,” says Bickerton. Even if the loved one lived a long, full life, the person grieving would likely have been wishing for many more years together. When expressing your condolence be sure to say the person’s name, advises Wolfelt. “That way the person grieving knows you are genuinely concerned.” Never say “You need to say goodbye” or “Life must go on” at a funeral Instead, say: “He will always be remembered for his generosity/love for his family…” Statements like these tend to minimise the grief journey, says Bickerton. “Life will go on but it will look very different for the person grieving as they adjust to their new normal.” A note that shares a favourite memory or relates the special qualities you valued in the person who has passed is a thoughtful way to express your condolences before or after the funeral, says Wolfelt. “These words will often be a loving gift to the grieving person.” Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/true-stories-lifestyle/relationships/7-things-you-should-never-say-at-a-funeral" target="_blank" rel="noopener">Reader's Digest</a>.

Caring

One humble Sydney pub's big plans for Princess Mary's coronation

A pub in Sydney has shared their plans to celebrate Crown Princess Mary's coronation as she ascends to the Danish throne. The Slip Inn, a Merivale-owned pub near Sydney's Darling Harbour, was where Princess Mary met Denmark's Prince Frederik in 2000 during the Olympic Games. Now, the Aussie princess is set to become Queen of Denmark following the shock announcement of the abdication of Queen Margrethe, who announced she will be handing the throne to her son as of January 14th. In celebration of the Princess Mary <a href="https://oversixty.com.au/lifestyle/family-pets/crown-princess-mary-set-to-make-history" target="_blank" rel="noopener">making history</a> as the first Aussie to ever hold the title of Queen Consort, the Slip Inn have shared their plans for coronation day. The pub will be honouring the occasion with a Danish themed menu and decorations ahead of a busy weekend expected to attract tourists and royal punters. The Slip Inn is closed on Sunday, so there will be no live broadcast of the official proclamation ceremony taking place in Copenhagen, however the pub couldn’t let the day pass without paying tribute to the couple. Danish flags will fly throughout the venue, while Daisies, the national flower of Denmark, will adorn the venue and King and Queen thrones have been installed for people to pose on and take photos with. A special menu will feature hotdogs and a Scandinavian inspired cocktail titled “There’s Something About Mary”. The Danish-inspired menu will run at The Slip Inn for the whole month of January to celebrate the new King and Queen. Chief operating officer at Laundy Hotels Justin Tynan said the Sussex St pub was “the place to be” in Sydney’s thriving night-life scene of the time, and soon became the centre of royal attention after the couple disclosed it as their meeting place. “I think I did about 50 live crosses around the world when the news broke,” he said of the time. “The Danish flag still hangs out the front of the building but back in the day we put Carlsberg beer on, we put Danish food on the menu, we had buses turning up with Danish tourists just wanting to see exactly where they were.” “It was absolutely crazy.” Image credits: Getty Images

Relationships

Poh reveals birthday plans for her big 5-0

Aside from her cooking skills, MasterChef's Poh Ling Yeow is also known for her “ageless beauty” and this year, the beloved cook is gearing up for a double celebration. “My 50th birthday falls close to Christmas, and my dad wants to combine the two celebrations this year,” she told Yahoo Lifestyle. Poh told the publication that she opted to merge her birthday celebration and Christmas festivities in an effort to make the holiday season “stress-free” for her and her loved ones. “The key to a stress-free Christmas is reducing your personal workload, and I can’t think of a better way to get into the festive spirit than sharing preparations for the big day with family. It’s always potluck at the Yeow family Christmas!” And as you'd expect from a seasoned chef, this year's menu consists of a few of her own “centrepiece mains”. Her other tip for reader's at home hoping to make Christmas more stress-free is to ask guests to bring a side or dessert. “I love a grated beet, chickpea and mint salad with white balsamic that’s full of crunch and almost like a pickle,” she said. "Also, a Thai roast chicken and glass vermicelli salad, and a Korean japchae (sweet potato noodle salad). “My family, bless them, loves a proper retro trifle. It starts with making finger jello by adding 1 tablespoon of powdered gelatine to a raspberry or strawberry jelly so you can easily cut them into cubes after it’s set." She then shared her tip for making the trifle. “Then it’s just a matter of layering sliced, store-bought jam rollettes drowned in regular strawberry jelly mixture, tinned peaches, fresh strawberries, custard made with powdered custard mix, fresh cream then piling on the prepared jelly cubes.” Images: Yahoo Lifestyle

Food & Wine

The Beast's exciting Down Under plans

Mark Lambett, better known as The Beast on The Chase Australia is living in a state of "pure happiness" with his girlfriend. Months after going public, Mark and his partner, British presenter Hayley Palmer, are busy planning the next stage of their relationship. The couple could be heading to Australian shores, as Palmer told <a href="https://7news.com.au/entertainment/celebrity/the-chase-star-mark-the-beast-labetts-girlfriend-hayley-palmer-tells-of-australia-plans-c-12666368" target="_blank" rel="noopener">7News</a> that it would be "a dream" to spend some quality time Down Under. “I would love to come out to Australia. Mark and I have talked about it,” she said. “I have been to Sydney and Manly Beach is my favourite,” she says, adding that the picturesque ferry ride from the city is part of the fun. “So I really do hope to come out — that would be an absolute dream. I must put it on my vision board.” Palmer admitted that part of her love of Australia comes from watching Home and Away, with the Channel 7 soap showcasing influencing her love of the country's sandy beaches. “I am a huge Home and Away fan. Anyone will tell you that. I absolutely love it,” the presenter says. A trip to Australia would be a welcome holiday for the couple, who have been doing long distance for most of their relationship. Lambett has been in Australia filming the local version of The Chase game show, while Palmer has been working in her native England. It is because of this that they have learned to embrace “long distance”, with Palmer convinced it is why their relationship “really works”. “I think regarding the long distance, we both have our passions and dreams that we follow, so you have your own thing going on and then when you come back with your partner it is the cherry on top,” she says. “It’s a lovely feeling when you get together." “We’re both quite similar like that. We’re always busy and we come together and it’s pure happiness.” Image credits: Instagram

Relationships

“Coast-to-coast”: Rinehart's radical plan to save the Commonwealth Games

The 2026 Commonwealth Games has faced grim uncertainty ever since the <a href="https://www.oversixty.com.au/finance/money-banking/i-m-not-here-to-apologise-dan-andrews-fires-up-as-comm-games-is-scrapped" target="_blank" rel="noopener">Victorian government withdrew its commitment to host the event</a>, leaving Australia in a precarious situation. However, a new and radical proposal by Australia's wealthiest individual, Gina Rinehart, supported by Gold Coast Mayor Tom Tate and Perth Lord Mayor Basil Zempilas, suggests a unique solution to save the Games. Rinehart's proposal involves hosting the event in two cities at opposite ends of the country – the Gold Coast and Perth. The initial plan by the Victorian government to host the Games across multiple towns in regional Victoria was abandoned due to the reported $4 billion price tag. This decision left Australia without a host city for the 2026 Games, and no alternative has been proposed since. Additionally, the withdrawal of support from the Canadian city Alberta for the 2030 event further complicated the future of the Commonwealth Games. Now, in a letter addressed to Prime Minister Anthony Albanese, Rinehart, Tate and Zempilas have suggested a bold coast-to-coast approach for the Commonwealth Games. The idea is to utilise existing facilities in the Gold Coast and Perth, with each city hosting a week of the Games. The proposal aims to showcase Australia on a national scale, providing a unique background for discussions with Commonwealth heads. “We believe that a coast-to-coast Games presents a special opportunity to showcase Australia and provides an excellent background for you to invite those heads of the Commonwealth you may wish to have further discussions with, and/or entertain,” the letter reads. “A background where Australia pulls well above its weight, and shines!” While the proposal has gained support from key figures, including Rinehart's assertion that it would not be too difficult to execute, some critics have raised practical concerns. Melbourne radio host Tom Elliott expressed skepticism about the feasibility of a dual-city approach, citing the vast distance between the Gold Coast and Perth, which is over 4000km. “You could not pick two cities in Australia that are further apart from each other," Elliott said on his 3AW radio talk show. He also questioned the logistical challenges, such as the need for two athletes' villages and the movement of officials and volunteers between the two cities: “To have a Commonwealth Games split between the Gold Coast and Perth, I just think is utter madness... The idea is that they do the first week of events on the Gold Coast and the second week in Perth. But think about it – unless every official and volunteer moves between the Gold Coast and Perth – and where would you put them all? They effectively have to recruit all the people again just to make the Games run. You’ve got to build two athletes villages. It’s just such a dumb idea. “I think we need to accept, as sad as this is, that the era of the Commonwealth Games is over. Not that many people watch it, not that many countries compete in it, it doesn’t make any money – that’s the reason cities don’t want to host it.” Rinehart's letter counters that criticism, claiming that the dual-city approach would be popular, in the national interest, and beneficial for athletes and cities. She contends that the proposal would be more popular and less expensive than other recent expenditures, suggesting that funds allocated for other purposes, such as Papua New Guinea football, could be redirected to improve Australian facilities for the Commonwealth and later Olympic Games. Rinehart's bold proposal to host the 2026 Commonwealth Games in two cities at opposite ends of Australia certainly presents a novel solution. While critics question the practicality of the idea, proponents believe it could not only save the Games but also showcase Australia on a grand scale. As discussions unfold, the fate of the Commonwealth Games hangs in the balance, with Rinehart's vision offering a unique and ambitious alternative. Images: Getty / Facebook

Money & Banking

Free tickets up for grabs to Barry Humphries' state memorial

Australians will have the chance to pay their respects to the late Barry Humphries, with limited free tickets to his state memorial available to the public. Humphries died on April 22nd this year at the age of 89, and will be remembered for his legendary comedic characters such as Dame Edna Everage and Sir Les Patterson. His state memorial will be held at the Sydney Opera House at 11am on Friday December 15th, for those who wish to pay their respects to the entertainment giant. "The State Memorial will bring together dignitaries, family, friends and fans of Mr Humphries from across Australia and around the world to celebrate his extraordinary career and achievements," the NSW government said online. <div> Limited free tickets have also been made available to the public through the <a title="Sydney Opera House website" href="https://www.sydneyoperahouse.com/state-memorial-barry-humphries-ac-cbe" target="_blank" rel="noopener">Sydney Opera House website,</a> with fans able to snag a ticket from 2pm AEDT on Friday November 17th. Each person hoping to get a ticket will be allowed two tickets per customer to give everyone a chance to farewell one of Australia's best-loved entertainers. For those who miss out on a ticket, the memorial will be streamed online and broadcast on ABC, providing an opportunity for audiences everywhere to share in the celebration of Mr Humphries' life. Image credits: Getty Images </div>

Caring

When King Charles is planning to visit Australia

King Charles is preparing to make his first visit to Australia as a monarch. According to reports from the British Media, King Charles and Camilla are expected to head Down Under in late 2024. The reports of the visit comes after many have accused the royal family of snubbing Australia, after there was no offical visit from the royal family during the late Queen Elizabeth II's Platinum Jubilee, despite other royal family members travelling to Commonwealth countries. Prince William has also been called out for not travelling to Australia for the FIFA Women's World Cup final that took place in Sydney, which saw England take on Spain. While Buckingham Palace has yet to officially announce a visit by King Charles and Queen Camilla to Australia, the <a href="https://www.dailymail.co.uk/news/royals/article-12606099/Charles-monarchy-Australia-King-Sydney-trip.html" target="_blank" rel="noopener">Mail on Sunday</a> has reported that royal aides are busy preparing for a trip to Sydney to coincide with the King's first attendance as the head of the Commonwealth at its meeting in Samoa. A senior Australian government minister told the publication that a royal visit would lead to a "renewed conversation" about the country having its own head of state. Assistant minister for the republic Matt Thistlethwaite said, "The King will always be welcome in Australia and greeted fondly by the Australian people." "But in modern-day Australia his visit will trigger a renewed conversation about having our own head of state who lives with us, represents us and is an Australian." However, shadow defence minister Andrew Hastie said, "The King will be very welcome on his first visit. There is a renewed enthusiasm for the Crown down-under and a sense that we share in something special and historic." Image credits: Getty Images

Domestic Travel

Sam Newman backs down on controversial Grand Final plans

Sam Newman has remarkably backed down on his plans to boo during the Welcome to Country acknowledgement at the upcoming AFL grand final. The former AFL star <a href="https://oversixty.com.au/news/news/sam-newman-encourages-aussies-to-boo-during-welcome-to-country" target="_blank" rel="noopener">made waves</a> last week as he called for footy fans to boo and drown out the traditional welcome by First Nations Australians, with many quick to call his plans "racist" and "disrespectful". Newman even seemed to <a href="https://oversixty.com.au/news/news/sam-newman-grilled-point-blank-are-you-a-racist" target="_blank" rel="noopener">double down</a> on his claims that the Welcome to Country was somehow more divisive that uniting, as some outraged Aussies even called for him to be removed from thew AFL Hall of Fame. However, the 77-year-old has now quickly back-tracked his statements, saying he will not be booing during the Welcome to Country at the AFL grand final on Saturday. "I wouldn't boo at the grand final, but it was just a flippant throw away line, I disagree with the Welcome to Country at the grand final," he said on his podcast. "My point is that every single thing you go to now, you go into a library, you go into anywhere at all, the whole thing starts with it." "The whole thing makes you feel guilty for being here." "When is it ever enough that we say 'hang on a minute, this is enough, how much further do we want to keep going?'" Newman again went on to say that he believed the Welcome to Country ceremony does not "unite us". "I said last week that we should boo the Welcome to Country, it was an extravagant statement." "(The Welcome to Country has) gone overboard and the social elites are only trying to placate their own white prejudice by feeling virtuous that they keep going on and on with this." "This is why I criticised the AFL, it's just become a minefield of nonsense, they've got to pull it back." "(It's) not uniting us, that is my point. Standing on the MCG on grand final day and saying 'you're welcome to the country and we give you permission to play on the ground', that's not uniting us." "That's showing the world that we are a divided nation, that's my point." Since Sam Newman's original statement, senator <span style="caret-color: #212529; color: #212529; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Lidia Thorpe has blasted his comments, saying he is missing the point on what the Welcome to Country is about. <p style="font-size: 16px; box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; caret-color: #212529; color: #212529; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';">"Sam Newman, I'm not sure why he's even in the news. He's irrelevant to any debate of the time," she said on Today. <p style="font-size: 16px; box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; caret-color: #212529; color: #212529; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';">"It's about peace. The whole message behind it is respect." <p style="font-size: 16px; box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; caret-color: #212529; color: #212529; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';">Image credits: Getty Images

News

Five things to do before you die – because planning your eventual demise takes preparation

<a href="https://theconversation.com/profiles/hui-yun-chan-715995">Hui Yun Chan</a>, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a> Many people who are struck with sudden, progressive or terminal illness are <a href="https://theconversation.com/why-are-patients-in-permanent-comas-routinely-kept-alive-43365">kept alive mechanically</a>, while families and doctors make decisions about treatment. As a researcher in medical law, particularly end-of-life decision-making, I have seen how this can become a minefield of legal and ethical problems. UK law allows people to plan in advance of any debilitating illness, and thus have some control over future treatment. This is known as “<a href="https://www.nhs.uk/conditions/end-of-life-care/advance-decision-to-refuse-treatment/">advance decisions</a>”. While these laws are in place, research shows the <a href="https://rm.coe.int/cdcj-2017-2e-final-rapport-vs-21-06-2018/16808b64ae">majority of people disregard or defer the discussions</a> primarily because they do not know how to raise them, or what to expect. While planning for your eventual demise probably sounds as fun as pulling teeth, it can be empowering. Following from <a href="https://pure.hud.ac.uk/en/publications/advance-directives-rethinking-regulation-autonomy-amp-healthcare-">my recent book</a>, here are five tips for how you can use the law to help you plan for what you want in the future – and make your voice heard when you may no longer have one. <h2>1. Gather information from experts</h2> First, you must think, gather information and talk to experts about how life can unfold in the case of progressive illness. This is important whether you are well but thinking about future incapacity, or whether you have actually been <a href="https://www.4pb.com/case-detail/re-ak-medical-treatment-consent/">diagnosed with illness</a>. A solicitor with expertise in advance directives can help you understand important laws, such as those that dictate when a person has <a href="https://www.legislation.gov.uk/ukpga/2005/9/contents">sufficient “mental capacity”</a> to make lawful decisions. Lawyers can help you draft your will, and advise on how to protect or pass on your estate – including <a href="https://www.gov.uk/inheritance-tax">hidden costs</a>. They can also help you <a href="https://www.gov.uk/power-of-attorney">nominate someone</a> to make medical decisions for you when you become incapacitated, and decide the limits of their power. Do not just assume that your family members automatically have the power to decide for you legally. If you are ill, ask a doctor to inform you how your condition will progress so you can decide how you will deal with future events. For example, with dementia and other progressive illnesses, you must consider what quality of life you would tolerate. Similarly, in the case of pain, what treatment you would accept or refuse? Think big picture about your future life. Would you trade quantity of life for quality, opting for less time but with better quality of life? <h2>2. Setting your decisions in stone</h2> Now you have made some important decisions, the next step is about making these decisions clear in the right way, to the right people, and at the right time. I have <a href="https://www.springer.com/gp/book/9783030009755#aboutBook">documented many cases</a> across England and Wales where advance directives are disputed because they are invalid or inapplicable and there is a dispute about whether they are still legally able to make decisions. Considering your health, you may want to get a <a href="https://www.bma.org.uk/advice/employment/ethics/mental-capacity/assessing-mental-capacity">formal assessment</a> of your mental state and ability to make decisions. You should record any conversations you have in writing. Documents that show you have been supported (by friends, family or professionals) in your decision-making boost the validity of your choices, <a href="https://brill.com/view/journals/ejhl/25/1/article-p24_24.xml?lang=en">making them more binding</a> for healthcare professionals. Legally, just revealing your treatment preferences to your doctor or friends <a href="https://swarb.co.uk/w-healthcare-nhs-trust-v-kh-ca-17-sep-2004/">is not enough</a>. Writing things down is important, though never easy. Ask family or friends to support you in this process. If a loved one is aware of the choices you have made they are less likely to object to your medical decisions because they have been part of the decision process. <h2>3. Update when your situation changes</h2> Many people are caught out when their <a href="https://compassionindying.org.uk/making-decisions-and-planning-your-care/planning-ahead/advance-decision-living-will/review-update/">personal situation changes</a>, but they have failed to update their advance directives to reflect this – such as changing romantic relationships. Family conflict by your bedside is the last thing you want. Even if your circumstances are the same, regularly update to avoid “what was I thinking?” moments when it’s too late. <h2>4. Make sure it gets found</h2> Inform your family, doctors and lawyers what your advance directives are and where to find them. If the right people don’t have access to your directives, they are useless. In a recent example, the family of a Warwickshire woman was granted a £45,000 payout after she was <a href="https://www.bbc.co.uk/news/uk-england-coventry-warwickshire-42240148">kept alive for 22 months against her will</a> – as the relevant documents had been misplaced. <h2>5. Don’t forget your online life</h2> Discussions on social media about how you wish to spend your twilight days may help as <a href="https://brill.com/view/journals/ejhl/25/1/article-p24_24.xml?lang=en">supporting information</a> to ensure the wishes in your advance directives are strengthened. You should also think about who you want to be granted (or denied) access to your online accounts and social media after your death. Streamlining this process, you can now <a href="https://www.theatlantic.com/technology/archive/2013/04/google-death-a-tool-to-take-care-of-your-gmail-when-youre-gone/274934/">create a social media will</a> online. Drafting an advance directive is an exercise in liberty. It allows our beliefs and preferences to be made clear even when we are physically or mentally unable to express them ourselves. An advance directive is our voice when we no longer have one. Use your voice wisely.<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/122296/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/hui-yun-chan-715995">Hui Yun Chan</a>, Senior Lecturer in Law, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a> Image credits: Getty Images 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/five-things-to-do-before-you-die-because-planning-your-eventual-demise-takes-preparation-122296">original article</a>.

Legal

"Thoughtful and sensitive": The Crown's plan to recreate Diana's death

The Crown have announced that they will be covering the death of Princess Diana in the upcoming season of the show, saying they will be handling the recreation "carefully". The Netflix drama based on the story of the royal family will be returning later this year for season six, which is expected to be the final season of the show. The final season of The Crown is set to take place between the years of 1997 to the early 2000s, including a delicate recreation of the death of the late Princess of Wales. Producer of the show Suzanne Mackie spoke of the upcoming season at the Edinburgh International Conference Centre, saying it took a long and careful conversation to reach the decision to cover Diana's death on the show. She said, "The show might be big and noisy, but we're not. We're thoughtful people and we're sensitive people." "And so there was a very, very careful, long, long, long conversation about how we do it – and I hope, you know, the audience will judge it in the end, but I think it's been delicately, thoughtfully recreated." Australian actress Elizabeth Debicki will be returning as Diana after her portrayal of the late Princess in season five. Mackie said Debicki was an "extraordinary actress" who treated the subject carefully. "She was so thoughtful, considerate and loved Diana," Mackie said. "So there was a huge amount of respect from us all. I hope that's evident when you see it." Season six of the show is also set to include the early days of Prince William and Kate Middleton's love story, beginning when they met while at St Andrew's University in Scotland in 2001. Image credits: Getty Images

Loved ones gather to mourn father and children killed in house fire

Loved ones have gathered to remember the loving father and his five children who were killed in a house fire in Brisbane earlier this month. Wayne Godinet, and his five children – Zac, 11, Harry, 10, Kyza, 4, Noah, 4, and Nicky, 3 – were killed in the deadly blaze on August 7th on Russell Island. On Wednesday, family and friends travelled from interstate and from New Zealand to remember the five children and Wayne, who died trying to protect his kids. "The actions of Wayne on that fateful day I think was indicative of the love he has for his children," a spokesperson for the family said at the memorial "A lot of us really feel that he died a hero." The children's mother, Samantha Stephenson, was unable to attend the service, leaving her sister Christina to step in to deliver a personal eulogy. "If you could leave here with a message from our family today it would be to be grateful for your children's messy room, for taking your child to their soccer game, for chasing your kids around the park," she said. Samantha has been left <a href="https://oversixty.com.au/lifestyle/family-pets/update-on-distraught-mother-who-escaped-deadly-house-fire" target="_blank" rel="noopener">devastated</a> by the tragedy, with family friend Simon Gordon telling Sunrise how dedicated she was as a mother. “She was a loving mother to the children,” Gordon told Sunrise. “What she is going through is unbelievable.” “Every time I ever met the family, the kids came first. They love the kids.” Police are still working tirelessly to determine the cause of the devastating blaze, but said the fire is not being treated as suspicious. Image credits: Nine

Caring

Why millions of Aussies are delaying, modifying or scrapping their travel plans

While it might seem like everyone around you is enjoying a luxurious European summer vacation, recent data reveals that the majority of Australians are facing obstacles in pursuing their travel dreams. The rising cost of living and inflated travel prices are compelling millions of Australians to reconsider and adjust their holiday plans, according to the latest consumer sentiment survey conducted by NAB, which involved approximately 2,000 local respondents. According to an alarming <a href="https://www.sbs.com.au/news/article/why-millions-of-australians-are-cancelling-or-postponing-their-holidays/gbyz8v0yt" target="_blank" rel="noopener">piece by SBS</a>, the survey found that nearly two-thirds of Australians (65 per cent) who had intentions of traveling in the next 12 months have been forced to either cancel or postpone their trips. Among them, 24 per cent decided to scrap their plans entirely, while 42 per cent opted to delay their vacations. The data shows that an overwhelming number of individuals believe that travel and holidays have become considerably more expensive. According to the SBS piece, Tara Hartley, NAB's retail customer executive, offered some reassurance to those experiencing FOMO (Fear of Missing Out) on extravagant European holidays. She stated that many Australians are making prudent spending decisions, prioritising their expenses based on what they value most. With the cost of living rising, including grocery bills and fuel prices, Australians are finding it increasingly challenging to budget for their holiday plans. As a result, they are making thoughtful adjustments to their spending habits. Approximately 40 per cent of respondents have scaled back their travel plans, opting to explore domestic destinations instead of traveling abroad to save money. Hartley mentioned examples like people swapping trips to the Mediterranean for Maroochydore or Bali for Burnie, indicating that Australians are finding joy and relaxation within their own country. One significant factor contributing to the hesitance in making travel arrangements is the soaring cost of airfares. Airlines have been slow to resume normal operations after the COVID-19 pandemic caused international flights to come to a halt. The combination of increased demand for flights, inflation, rising fuel prices, and a shortage of staff has led to a surge in airfare costs. Data released by online travel company Kayak in May indicated that return flights from Australia to overseas destinations are now over 50 per cent higher than pre-pandemic levels. For instance, the average return economy international flight between July and December currently costs $1,827, compared to $1,213 in 2019. Domestic flights have also experienced a notable increase, with costs up by 10 per cent compared to 2019 figures and 15 per cent higher than last year. Even though capacity is expected to return to the airline industry, outgoing Qantas chief executive Alan Joyce cautioned that airfares might not return to their pre-pandemic affordability. Nevertheless, the adjustments in travel plans have had some positive financial impacts. On average, Australians have saved around $392 each month by changing their travel plans. Over the course of a year, these adjustments have translated to approximately $4,704 in savings. The rising cost of living and inflated travel prices are causing millions of Australians to reconsider their holiday plans. With airfares surging and travel becoming more expensive, many are opting to modify their trips or explore domestic destinations instead. While these changes may bring financial benefits, it remains uncertain when airfares will return to their pre-pandemic levels. Image: Shutterstock

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Battling to make ends meet? Financial planning expert offers 5 tips on how to build your budget

Insider spills on Robert Irwin's plans for I'm a Celeb

Seven's insane plan to ambush Lisa Wilkinson exposed

Clive Palmer's plans to build Titanic II resurface

Hundreds of mourners seek change after Vyleen White funeral

“My sister-in-law announced she was pregnant at my child’s funeral”

"I want answers": Simon Dorante-Day's cunning plan to prove royal connections

“I’ll see you again one day”: Sister of slain doctor’s emotional tribute

7 things you should never say at a funeral

One humble Sydney pub's big plans for Princess Mary's coronation

Poh reveals birthday plans for her big 5-0

The Beast's exciting Down Under plans

“Coast-to-coast”: Rinehart's radical plan to save the Commonwealth Games

Free tickets up for grabs to Barry Humphries' state memorial

When King Charles is planning to visit Australia

Sam Newman backs down on controversial Grand Final plans

Five things to do before you die – because planning your eventual demise takes preparation

"Thoughtful and sensitive": The Crown's plan to recreate Diana's death

Loved ones gather to mourn father and children killed in house fire

Why millions of Aussies are delaying, modifying or scrapping their travel plans

Our Partners

News

Shop

Catalogues

Newspaper

Contests

Entertainment

Travel

Health

Lifestyle

Finance

Property

Compare

Games

Information

Keep up to date

Search

Battling to make ends meet? Financial planning expert offers 5 tips on how to build your budget

Insider spills on Robert Irwin's plans for I'm a Celeb

Seven's insane plan to ambush Lisa Wilkinson exposed

Clive Palmer's plans to build Titanic II resurface

Hundreds of mourners seek change after Vyleen White funeral

“My sister-in-law announced she was pregnant at my child’s funeral”

"I want answers": Simon Dorante-Day's cunning plan to prove royal connections

“I’ll see you again one day”: Sister of slain doctor’s emotional tribute

7 things you should never say at a funeral

One humble Sydney pub's big plans for Princess Mary's coronation

Poh reveals birthday plans for her big 5-0

The Beast's exciting Down Under plans

“Coast-to-coast”: Rinehart's radical plan to save the Commonwealth Games

Free tickets up for grabs to Barry Humphries' state memorial

When King Charles is planning to visit Australia

Sam Newman backs down on controversial Grand Final plans

Five things to do before you die – because planning your eventual demise takes preparation

"Thoughtful and sensitive": The Crown's plan to recreate Diana's death

Loved ones gather to mourn father and children killed in house fire

Why millions of Aussies are delaying, modifying or scrapping their travel plans

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