Are you penalised for your 忠義? This is Money's Christmas podcast special... with our posh vs 予算 supermarket taste 実験（する）

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Happy Christmas and welcome to the last This is Money podcast of 2018. Today, we cover the ghosts of Christmas past, 現在の and 未来.

For the ghost of Christmas past, we look at what has gone wrong for high street retailers and if that is 流出／こぼすing over to online 会社／堅いs.

Ghost of Christmas 現在の… or 現在のs, we give five 推論する／理由s why you should think twice about giving gift cards this festive period.

And for the ghost of Christmas 未来, how you can give friends and family a gift that will last through 2019 - 避けるing the 忠義 刑罰，罰則.

As part of our （選挙などの）運動をする, we 明らかにする／漏らす the companies stiffing 顧客s and what you can do to 戦闘 the problem.

Merry Christmas: As a festive gift to yourself - or friend/親族 - why don't you escape the 忠義 刑罰，罰則, 含むing 決裂／故障 cover and モーター 保険

どこかよそで, assistant editor 物陰／風下 Boyce takes the reins for the 悪名高い This is Money Christmas taste 実験（する） ? with editor Simon Lambert and host Georgie 霜 tucking into mince pies, crisps and more, then having to guess whether it is from a posh supermarket, or 予算 one.

And like 地位，任命する-Brexit Britain, there are no Brussel(s) in sight.

Georgie also throws a 特別手当 fiendish Christmas 質問（する） into the mix ? how many can you get 権利??

Thanks for listening in 2018 - we hope you enjoy the podcast as much as we do making it. See you next year!?

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