It's not just new winter coats and next Christmas's presents that Scots are snapping up in the January sales. They are also laying out for their annual two weeks of summer sun and grabbing low cost European mini-breaks while they are at it.
According to Clydesdale Bank research, 54 per cent of us depressed by the cold winter are bagging a summer holiday while prices are low.
Waiting until the summer for a break away is too long for an increasing number. As well as booking their summer holiday in January, one in four (27%) will also book multiple weekend breaks in cities across Europe to make the most of the early bird deals currently around.
Despite having limited funds in January, one in three (33%) are heading to the travel agents, credit card in hand. This could be to ensure they are not amongst the one in four (26%) who, according to Clydesdale Bank's research, have previously missed out on a bargain break because they did not have the cash to take advantage of the deal when they needed it.
Steve Reid, Clydesdale Bank's head of retail, said: "TV during January is full of adverts for cheap holidays some where hot. However, Scots should not overstretch themselves financially just to take advantage of these cheap deals. January is often a tight month financially for many and relying on a credit card to book a holiday can prove costly, especially if you can't keep on top of monthly repayments.
"A Clydesdale Bank personal loan could be a cheaper option, as you'll know exactly how much you need to pay back in total, and pay equal amounts each month."
Mini breaks popular, major injuries uninsured and Weekend breaks abroad are also growing in popularity as an alternative to the traditional summer break, according to Clydesdale Bank's research. Nearly one in five (18%) are now planning to forfeit two weeks lying on the beach in favour of several mini-breaks.
However, almost one in three (32%) of those planning a European mini-break do not intend to purchase holiday insurance for their trip.
Steve Reid added: "When booking a holiday - even if it's just a brief hop across the channel - it's vital to purchase good quality travel insurance. No one thinks they'll have an accident whilst away but unfortunately it does happen.
"Being airlifted down a mountain on your winter break or falling ill in a sunny destination can be a very costly business, not to mention the price you might have to pay if your luggage or wallet is lost or stolen - and this can happen just as easily on a weekend break as a fortnight away. Even if it's just for a few days - it's simply not worth the risk, especially when you consider how cheap holiday insurance can be.
"Perhaps the most cost effective and convenient option for people planning on several city breaks throughout the year is taking out an annual policy. That way you can buy it once and then not have to think about it for the rest of the year."