It’s the end of the year and time to chill and enjoy festive times with family and friends. Unfortunately, it’s all too easy while relaxing after a hard year’s labour to let your guard down regarding your personal safety, finances and property. So, while you are putting your feet up, why not dive into the December holiday edition of IOL MONEY for tips on how best to manage and protect your finances over the festive season? With compliments and greetings from the IOL Personal Finance team.