this makes me very sad :(
I don't like taking days off and then not doing anything with them, so I tend to wait until I want to use them for something specific. I used up loads in the first half of the year and now only have 3 left, but I do get a week off at christmas.
How do you use your holiday days, how many do you have left? (I realise that some people don't have Jan-Dec holidays, say so if it's different for you)