The festive season in Mackay is all about joy—beach days, family gatherings, and sparkling lights. But Christmas spending can easily spill into the new year.
Here’s the good news: you can enjoy the holidays now and set yourself up for success by preparing to meet a financial planner early in 2026.
1. Budget for a Merry Christmas
Start with a simple holiday budget—gifts, food, outings. Mackay offers plenty of free fun like Harbour Beach and the Botanic Gardens, so you can celebrate without overspending.
2. Shop Local & Save Big
Support Mackay businesses and find unique gifts at local markets. It’s good for your wallet and great for the community.
3. Make Memories, Not Debt
The best holiday moments are free—Christmas lights, Bluewater Trail walks, and family beach days.
4. Prepare for Your Financial Planner Meeting in 2026
January is the perfect time to review your finances and set goals. Here’s what you can do now:
Gather your 2025 spending records
List your financial goals for 2026
Think about big plans—home, education, retirement
When you meet your Mackay financial planner early in the new year, you’ll be ready to create a strategy that works for you.
5. Start Your 2026 Savings Today
Even $10 a week adds up. Combine this with expert advice in January, and you’ll be ready for next Christmas without stress.
Bottom Line: Celebrate Christmas smart and make 2026 your best financial year yet—by preparing now to meet your financial planner in January. Call Gardian Financial Planning in Mackay today at 07 4957 7424 or email us at [email protected].
