Published by Mark Smith-HalvorsenSetting out a holiday money budget well in advance could make a winter ski-trip a lot less painful on the wallet, Herald Scotland reports.The newspaper urged its readers to plan ahead to avoid receiving a shock bill upon their return from the piste."Planning ahead about how you will spend while overseas can also help keep the total cost down as well," the paper commented.Another important consideration that may be particularly important in today's business environment is arranging appropriate insurance cover to protect against airline failure.After the collapse of Zoom earlier this month and the failure of two more holiday package companies, holidaymakers may know all too keenly the importance of taking out adequate cover.Herald Scotland advised travellers to consider buying their holiday package through a company registered with the Association of British Travel Agents as all purchases will be covered by the umbrella organisation's master insurance plan.For competitive rates and commission free travel money, visit our Travel FX site