Hello, gentle listeners, and before we start, let me try to persuade you why becoming a subscribing member is a brilliant idea, or just as good that it makes the perfect Christmas presi.

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also about how to give membership as a gift that's the history of england dot co.uk

UK and now on with the episode

hello we are rosy and chris ramsey in our podcast, Shag Marinoid, is currently sponsored by

TSB.

TSB understands that money is often the big elephant in the room around Christmas time and

they want to help you feel more confident managing your money in the festive period.

Yes, TSB have your back. They have created some quick and easy tips to help you keep

costs down and stay safe as you spend while still enjoying the festivities.

Why not roping the kids to make some homemade decorations? Keeps them busy and saves you from splashing out on some more tinsel.

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