What's OnTravelFinancial headroom helps reduce 'perceived threat'Neil Shaw Assistant Editor10:51, 10 Jul 2026It’s the time of year when many Brits are trying to book a last-minute getaway. But as travel costs rise, more than half say spontaneity is increasingly becoming a luxury they struggle to afford.‌According to new research from digital bank Zopa, 54% of Brits feel increasingly priced out of last-minute experiences, which often cost more than carefully planned alternatives. The “spontaneity gap” - the space between wanting to seize the moment and feeling financially able to - means many are missing out on the joy of unplanned experiences, according to Zopa.‌Psychologist Dr Tara Quinn-Cirillo said: “Spontaneous experiences can be particularly rewarding because they disrupt habitual pat