How is the changes effecting you? what I mean is the cost in Food prices, Gas,Elect, Fuel prices, will this dictate how much you will spend on Xmas pressies, Party's etc.
We're mostly ticking along as usual but I have for the first time in my life started budgeting a bit when I do the weekly shop and I also think about journeys in the car with the price of diesel the way it is.
I've only my daughter to buy for-but I still can't spend what I did in previous years. I'd say I've gradually been cutting back over the past 18 months or so....I dread utility charges over the winter.
I have definitely noticed food prices increasing and the cost of certain things, however, my spending habits haven't changed - yet
I save all year for Christmas and generally toys have not increased in price, in fact, using big stores with their offers it has worked out considerably cheaper this year as I had more cash left over than last year after buying all presents