One word of warning, if you are considering applying for a payback, my advice would be to do it so sooner rather than later. The Government plans to review the scheme quarterly and will reduce the incentive as necessary based on the number of people wanting to join. This is one example where it really will pay to be in there from the beginning.
We're all mad to get home for Christmas because it is the done thing. We spend the rest of the year with these people, they've known us our whole lives, so why - on the one day everyone is meant to be happy - are we forced to swap cracker jokes with them over a dinner fraught with 'I wouldn't have done it like that' tension?