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People are avoiding taking holidays from work due to increasing pressure both at home and in the workplace itself.

Research by ELMO Software has found 20 percent of workers have accrued more than their annual leave entitlement, but most won't be taking it.

About half say they need money due to the cost of living, and a quarter say they have too much work to take time off.

Employment specialist Jennifer Mills told Mike Hosking it's unusual for an employee to be the one putting off leave.

\u201cIt\u2019s usually the employer saying to an employee no we don\u2019t agree with your request for leave at this time because it would unreasonably interrupt business.\u201d

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