OK this is the boring bit but ideally you don't want to break the bank or have to compromise too much. Obviously we would all like to go to dream holiday destinations and stay in 5 star hotels, but we are not all rich.

Once you add up all the little additional costs it can quickly become expensive. It's always a good idea to roughly cost everything you will need to pay for in addition to the holiday package itself. By this I mean everything excluding your accommodation and flight costs.

Once you have some numbers you can work out how much you have for the package or hotel and flights. At this point you need to decide if you can actually afford it or maybe there are things you can save money on. Check out the holiday budget tool and our shop to help you budget.

Passport Renewal

If you need a fast track this will cost more but even the basic renewal is £72.50 at the time of writing in addition you will need photos. Current prices can be found on the DirectGov website.

Clothes

If like me you live somewhere where it is never sunny (Scotland) and you want to go somewhere hot, you may suddenly find you need to buy a weeks worth of summer clothes.

Luckily we have lots of discount stores such as Primark and H&M, it's best not to buy really expensive stuff, most of the time you will wear these things once and then buy new gear next year, and it has been known for suitcases to disappear.

Suitcase

An essential, expensive and often overlooked item. If you already have one or can borrow one, great no problem. If you are buying one I would recommend getting a light weight one so you can maximize the amount of stuff you can bring.

Some suitcases weigh quite a bit before you even put anything in them. The only drawback to the lightweight one is that is will be less sturdy so if you are planning on bringing anything breakable it is maybe not such a good option.

Rucksack

Not very trendy but its very handy. It is a must if you are going to be out and about a lot whether it's around the city seeing sights or going to the beach you may need to carry more stuff around with you than you think.

Airport transfers

By this I mean getting to and from the airport from your home. Depending on where you live this can be expensive and if you are driving then you need to consider airport parking costs. Most airports will have public transport details on their websites.

Travel Insurance

You will likely need some form of Travel Insurance in addition to the EHIC card. Generally it is better to get an annual policy and shop around using a comparison site. Remember you may be able to get cash back on this too.

Toiletries

Suntan lotion can be expensive you can usually get deals but unfortunately its essential if you are planning on sunbathing. Ideally get one that is a bit water resistant and contains insect repellent, I would also suggest getting the spray on lotion as it is far easier to use. Other things you may need to buy include plug in mosquito killers, insect repellent and plug adapters.

Spending Money

Obvious but it can be hard to work out how much you will need. Having too much is always a good thing and a bit of research into what you are likely to be doing and buying should give you a rough number.

Usually if you are sight seeing you can find the costs of local attractions online. Also depending on your board basis you may need to pay for meals and drinks too.

Other things to consider are additional hotel costs. Some hotels charge you to use the room safe, fridge and even air conditioning. Trip adivisor is very good for this kind of thing as many helpful reviewers will detail these hidden costs.

Departure Tax

Some countries charge an exit tax to foreign tourists, this is usually charged per person and may be taken when you check out of the hotel or at the airport. Check this before you go or on arrival, they may only accept cash for this so don't get caught out or miss your flight home because you have not kept enough money aside.

Hotel Extras

Not everything will be included as part of your package or hotel room rate. Check if  there are any extra daily charges for things like the room safe or WiFi. Also worth remembering that they may want a deposit for towels or the safe up front too which is effectively money you can't spend during your stay.

Dining Out

If you are not all inclusive it can be hard to work out how much to bring. You can get a rough idea of local costs by looking up some on line menus for local restaurants, failing that you can check some travel forums for other people's experiences. Remember that you may need some cash for snacks or food at the airports too depending on your flight times.

Excursions

If you want to get out and about and don't fancy spending every day on the beach then you can always go on some local trips. It will be far cheaper to research and book these well in advance if possible. Most decent attractions will have a website and usually they will give you a discount for advanced booking. It does mean you are not quite as flexible but you can save money and avoid taking as much cash with you.

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