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Winifred Robinson asks: Are you in a spending mood? Predictions are that retailers could have a tough time in the year ahead.
When it comes to who's doing well on the High Street, it's all about experiences. Hairdressers, beauty salons, coffee shops, restaurants are on the up.
Low interest rates have encouraged people to borrow to spend. But will we carry on if prices rise?
Are you in a spending mood? Or are you battling to makes ends meet? Email anytime youandyours@bbc.co.uk. Please leave a phone number so we can call you back.