With Christmas over and our bank balances lighter for the experience, the cold, dark and generally gloomy January is the time of year we start to think of faraway holidays and yearn for the sunshine. However, more of us than ever are still feeling the financial pinch and this has led to a rise in the popularity of the ‘stay-cation’.

Ideal for any budget, this type of break allows you to holiday without leaving the country, and you can feel virtuous in the knowledge that you are helping the economy by keeping your cash in the country.

One option for a ‘stay-cation’ is Scotland – and there are some fantastic savings to be had if you are able to visit out of season. Remember, getting there should be half the fun so, if you have the time, you can pack up your car and drive from home. I recommend travelling at a gentle pace and staying in B&Bs along the way.

Explore the wilderness
Allow at least four nights to get to Loch Lomond – the largest and one of the most stunning lochs in the Highlands. Wake up to sounds of the birds before tucking into a sumptuous Scottish breakfast and setting off on foot to explore the loch’s banks, or perhaps take a cruise on the loch itself. Many of the B&Bs in the area will arrange a picnic lunch for a small charge and, as you explore the wilderness, you will be thankful for some light refreshment when you find the perfect spot to take a break and marvel at the scenery.

After staying at Loch Lomond make your way to Loch Ness, passing Loch Lockie on the way. Try the local brew at the Loch Ness Brewery before discovering the mysteries of the Loch Ness Monster at the visitor centre – this is well worth a look. They showcase the history of the loch and try to give a more scientific explanation of what is in the depths of this ancient loch. I am sure it’s Nessie down there but there are still unbelievers!

If you are feeling a little flush then you could take a flight from Bristol to Inverness and give yourself a base to explore the highlands by staying at one of the many affordable hotels on offer. After a day out discovering the canal or sampling the finest malt wiskeys, you can enjoy a superb meal created from fresh Scottish produce and then end the evening with drinks by an open fire, which will add a little holiday magic to your stay.

The scenery and fresh air in Scotland makes for an excellent holiday so perhaps consider a Scottish ‘Stay-cation’ for your break this year.