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In this week's phone-in we're asking: How clever are you being with your cash this Christmas? Retail sales in the run up to the festive season have been sluggish with predictions of a "cautious Christmas" from many analysts. Sales of clothing and gifts have been performing particularly badly. So with just 15 days left until the big day, we want to know whether you're doing things differently this year? Have you cut back on excess? Have you changed where you shop and what you buy? Perhaps you've called time on giving gifts to grown ups - no more panic buys or returning things you didn't want? Whether you're planning to spend less but still stay festive, or if you're a savvy shopper who plans ahead to still go big - we'd love to hear from you. You can join the conversation by emailing us now at [email protected] and please include your number so we can call you back. And after 11am tomorrow Tuesday 10th December you can call us on 03700 100 444. PRESENTER: WINIFRED ROBINSON PRODUCER: CATHERINE EARLAM
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