Some parents are prepared to risk a fine if they can get a cheaper holiday.‘Many families are working hard to build up their savings balances, and will be able to use this to pay for treats such as holidays.

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While parents with one child are most likely to pay for their summer holiday using their current account (27 per cent), those with two children are most likely to pay for it out of savings (37 per cent), and those with 3 or more children were most likely to pay for in on credit card (36 per cent).

Richard Fearon, head of Halifax savings, said: ‘Parents’ finances are being squeezed; with the new rules on fines for taking children out of school during term time on one side and increased prices for holidays during the summer on the other.

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And last month a Facebook rant about the cost of breaks at Center Parcs by father Paul Cookson went viral and led to more than 100,000 signing an online petition calling for a cap on price increases in school holidays.

The Halifax survey found half of parents said the single most important factor affecting their choice of summer holiday destination is the cost, and nearly a quarter don’t think they will be able to go away on holiday this summer.

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Nearly two-fifths would risk a fine if they could save up to £500 and 15 per cent would even consider going away in term time if they could save £100 to £250 – the cost of a fine for two parents with two children.

Meanwhile, almost one third of parents will pay for their summer holiday in one go out of savings, whereas 27 per cent will use their current account, and 23 per cent will pay for it with a credit card.