Australians continue to prioritise leisure and entertainment experiences despite ongoing pressure on household budgets, according to NAB's latest Consumer Spend Trend report.
Australians tighten spending but lean into smart savings these school holidays - NAB
07 April 2026
Consumer Spending
Consumers adopt smart savings
- New data shows Aussies leaning on loyalty programs and sales to manage rising costs
- School holidays savings wins including regional day trips on the train, discounted movie tickets and AFL holiday programs
- Melbourne mum shares what smart swaps she is making these holidays
With school holidays here and cost‑of‑living pressures front of mind, new NAB research shows Australians are adapting by changing how they spend rather than switching off altogether.
The latest NAB Consumer Stress Index* is sitting above its long‑term average at 59.1, with Australians managing by focussing on value and making smarter, budget-savvy school holiday choices.
More than half (53%) of Aussies say they are being careful with everyday purchases, while the use of loyalty programs (up 42%) and shopping during sales (up 46%) has surged as families look to stretch their budgets without giving up experiences.
Households are cutting back on discretionary spending such as eating out, entertainment and holidays and swapping to cheaper products. Many are also reviewing subscriptions and recurring expenses, including streaming services, as part of broader budget management.
NAB Banker Dee White said the research reflects how families are navigating higher everyday costs.
“School holidays can put extra pressure on household budgets, especially when many families are already being careful with everyday spending,” Ms White said.
“What we’re seeing is Australians adjusting by planning ahead, looking for deals and making small changes that help keep costs down without missing out on time together.”
Smart ways families are cutting school holiday costs
- Use loyalty programs before paying full price, such as discounted movie tickets from $14 at HOYTS via NAB Goodies
- Swap driving for train day trips, and avoid high fuel prices with kids travelling for $1 in NSW, free travel on Victorian trains and 50c fares in Queensland.
- Choose AFL holiday programs for full day value, with nationwide options from $50. . Plus, receive $20 off NAB AFL Auskick & Superkick registration fees via NAB Goodies.
- Pause or rotate streaming subscriptions to avoid paying for services you’re not using
- Look local for free or low-cost activities, including council and library holiday programs
Making memories on a budget: One mum’s school holiday strategy
NAB customer and creator of Instagram account Bargain Boss, Amanda Dean with her family
Melbourne mum of two and creator of Instagram account Bargain Boss, Amanda Dean, said smart swaps were key to managing school holiday costs.
“I’ve been finding even more ways to save and make our dollar stretch further these school holidays, while making sure I can still make fun and lasting memories with my kids,” Amanda said.
“I have been buying craft activities in the lead‑up for half price, using cashback apps so anything I do spend I am getting money back from, and checking all the loyalty programs I’m attached to, to find the best deals.
“We also get creative at home, from baking to movie nights, Nintendo tournaments and “camping” in the backyard under the stars.”
Notes:
* NAB Consumer Stress Index is based on a quarterly survey of around 2,000 Australian consumers, assessing household stress across cost of living, job security, health, retirement funding and government policy.
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