Happy Christmas!

Blogging will get back to usual in the next couple of days with some thoughts about the year passed and the year to come.

In the meantime, if you want a change from the turkey and TV, have a look at the excellent round-ups of the year, covering a number of different topics (including Jason Busch's 'rants')  on the Spend Matters blog.

Best wishes to everyone.

Peter Smith

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