OK, we've all smiled through gritted teeth as we unwrapped the new socks or the Mamma Mia DVD! But at least you can take those back. For a tough holiday season story I give you Droylsden Football Club.
Does anyone really know how next year will work out? I reckon there are still too many uncertainties about how effective stimulus packages will be, whether banks will start to lend again - to sensible people that is - and will consumers decide saving is better than spending.