The first Monday of December produces very high levels of online spending and Monday December 3rd, known as Mega Monday, is expected to produce a new record for one day online purchases of half a billion pounds.

With November salaries paid last Friday and only three weeks to go to Christmas, the panic to fill your boots with premium biscuits in highly decorated tins, or indoor remote control helicopers that will decimate the living room's decorations and put pressure on the National Grid, is here once again.

Christmas is up and running, the battle for the best lights in your street is on and the NYPD Choir is singing Galway Bay, so yes here it is.......... Merry Christmas.