We all need something to look forward to and for many people the lure of discount airfares and package deals are irresistible; others have luxury holidays high on the agenda.

And why not? We all love a holiday and what’s more, happiness, apparently, is not just in the holiday itself, but in the planning of it too.

Research conducted by Roy Morgan Research concluded that people with an overseas holiday planned are optimistic about the future. Not surprisingly, there’s a demonstrated link between optimism and health and well-being.

But it’s not just the planning; it’s how you fund your trip that has the biggest impact.