And I'm Georgie Frost and you're listening to consuming issues on share radio, making that pound in your pocket go a little bit further.

I'm here until one o'clock with my producer, Annie Weston.

But now it's the time of the week when we discuss the issues that affect you and your wallet with Simon Lambert, the editor of This is Money,

and members of his team of investigative reporters from the award-winning financial website and money section of the mail online.

On behalf of us, the consumer, or they investigate everything from scams, bad banking practices, as well as how to keep costs down, what the best deals are out there, and very expensive liquor.

I'll tell you a bit more about that shortly.

Coming up between now and midday then and new stamp duty rules, what are they? Who will they

affect? And do they go far enough? Our 10-year fix rate mortgage is a good idea and especially

with Christmas coming up. You may get a bottle of something expensive from Santa,

or think about cracking open a bottle of whiskey to celebrate the festive occasion.

Or should you think instead of screwling it away as an investment?

We'll find out.

And the festive period isn't exactly associated with good music.

Love it or hate it, where you'll have to deal with the knowledge that, yes, once a year,

for the rest of your merry days, you will be forced to hear WAM's Last Christmas, Last Christmas, Last Christmas.

Slade shouting Merry Christmas at you and Mariah Carey bursting her lungs over something or other.

Nevertheless, the new singles keep on rolling.

So The Guardian have presented some of this year's more interesting offerings.

In fact, they've said their worst classics that include

Peter Andre, Christmas Times for Family,

straight, no-chaser-feet Kristen Bell,

text me Merry Christmas,

...