HOLIDAYS - something we all look forward to and something we all feel that we deserve. Of course, some countries realise this and treat their retired folk to a week's holiday, but I can't see it appearing on our country's agenda for a while, can you? So, what reason do YOU have for not taking that well deserved break? Can't afford it? Remember that old saying - "take care of the pennies and the pounds will take care of themselves"? Well, although in this modern 'throw away' society no one appears to be particularly worried about pennies, the saying is as true today as ever it was. Take an example - when out shopping, how often do we think 'I need a rest, I'll pop into the caf