For many New Zealanders, the holidays are a highlight of the year – a time to unwind, reconnect with loved ones, and enjoy the long summer days. But the festive season is also when our spending tends to spike. We buy gifts, travel across the country, eat out more often, and treat ourselves to experiences we might not consider at other times. That’s why the holidays can be the perfect opportunity to reflect on how and why we spend – for the sake of our finances, our wellbeing, and the environment.

When relaxation turns into overspending

It’s easy to associate holidays with freedom – including freedom from budgets and routines. After a busy year, many of us feel we’ve “earned” the right to splurge a little. But that mindset can quickly lead to spending that doesn’t necessarily make us happier or more relaxed.

Surveys show that many people return from the holidays with a lighter wallet and a sense of fatigue rather than renewal. That might be a sign that we’re investing more energy and money into creating the “perfect” holiday than we actually get back in enjoyment.

Reflecting on your holiday spending isn’t about guilt – it’s about awareness. It’s about understanding what truly brings you joy and what might just be habit or social pressure.

What really makes your holiday special?

A good starting point is to ask yourself: what makes me feel like I’m on holiday? Is it travelling far away, or is it the feeling of freedom, rest, and connection?

Many Kiwis find that the things that bring them the most joy don’t require big budgets. It might be a morning swim at the beach, a barbecue with friends, a walk in the bush, or simply having time to read a book in the sun. When we identify what genuinely recharges us, it becomes easier to plan holidays that align with our values and our finances.

Spending and sustainability

Our holiday choices also have an impact on the environment. Travel, accommodation, and consumption all leave a footprint. That doesn’t mean you have to give up your holiday, but it’s worth thinking about how you can make it more sustainable.

• Consider your transport: Could you explore more of Aotearoa by carpooling, bus, or train instead of flying?
• Stay local: Supporting local tourism helps small communities and reduces emissions.
• Eat and shop locally: Buying from local producers and markets keeps money in the community and cuts down on transport.
• Reuse and borrow: Instead of buying new gear for every trip, borrow from friends or rent equipment.

Small choices can make a big difference – both for the planet and for your sense of purpose.

Financial peace of mind

Overspending during the holidays can lead to financial stress once the new year begins. Setting a realistic budget before the season starts can help you enjoy yourself without worry. Decide how much you want to spend overall, and break it down into daily or weekly limits.

Many people find that they actually enjoy their holidays more when they’re not constantly thinking about money. Having clear boundaries can make it easier to focus on what really matters – time, connection, and rest.

Holidays as a time for reflection

The holidays give us distance from our everyday routines – and that distance can be a valuable chance to reflect. How do we use our time and money? What truly adds value to our lives? And how can we carry the best parts of the holiday mindset into the rest of the year?

You might discover that you thrive on simplicity, nature, and time with loved ones – and that you don’t need to spend much to achieve that. Or you might decide to prioritise fewer but more meaningful experiences in the future.

Reflection isn’t about perfection; it’s about awareness. When we understand our own patterns, we can make choices that support both our wellbeing and the world around us.

A holiday with meaning

The holidays don’t have to be a break from responsibility – they can be a chance to live more intentionally. By thinking about how we spend, we can create holidays that feel richer, even if they cost less.

So next time you plan your summer break, ask yourself: what do I really want from it? The answer might be the key to a holiday that brings you peace, joy, and balance – without emptying your wallet or your conscience.