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Answer for the clue "Vacation axed to work out money-saving scheme ", 13 letters:
tax avoidance

Word definitions for tax avoidance in dictionaries

WordNet Word definitions in WordNet
n. the minimization of tax liability by lawful methods

Longman Dictionary of Contemporary English Word definitions in Longman Dictionary of Contemporary English
noun EXAMPLES FROM CORPUS ▪ Big business has further reduced its contributions by ingenious tax avoidance strategies. ▪ But a low capital-gains rate leads to investment decisions based on expectations of tax avoidance rather than productive efficiency. ...

Wiktionary Word definitions in Wiktionary
n. The legal exploitation of tax rules to minimize tax payments.

Wikipedia Word definitions in Wikipedia
Tax avoidance is the legal usage of the tax regime in a single territory to one's own advantage to reduce the amount of tax that is payable by means that are within the law. Tax sheltering is very similar, although unlike tax avoidance tax sheltering is ...

Usage examples of tax avoidance.

They lay less with Lockhart's ability to cope with figures - his limited education had left him mathematically exceedingly proficient - than in the directness of his approach to the problems of tax avoidance, or as Mr Treyer preferred to call it, Income Protection.

There was a column, without mention of names, on private collectors who are less dedicated to art preservation than to tax avoidance.

Their exchanges were littered with talk of tax avoidance, of selling between subsidiaries to inflate prices artificially, of packaging placebos as panaceas.