The end of year holidays is supposed to be all about taking a break from work and spending quality time with friends and family. Unfortunately, money worries often get in the way of having a truly carefree celebration.

The pressure to spend comes from almost every angle. Visiting relatives will often mean:

• Flights
• Accommodation
• Transfers to and from the airport
• Car rental
• Gas

And if you drive to your family, it will mean gas and possibly long hours on the road in bad weather.