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It’s been one helluva year, 2020. And so, as it gradually draws to a close, many South Africans will be looking forward to the holiday season. This is typically the time to switch your mind off work, prepare for the festive season, just chill, or hang-out with friends. Typically it is also the time when we spend more money on gifts, parties, spending our bonuses (for those lucky enough to receive such a blessing) on luxury items, or new clothes, or going away on holiday.