Are you penalised for your loyalty? This is Money Christmas podcast special with posh vs budget supermarket taste test

Happy Christmas and welcome to the last This is Money podcast of 2018. Today, we cover the ghosts of Christmas past, present and future.

For the ghost of Christmas past, we look at what has gone wrong for high street retailers and if that is spilling over to online firms.

Ghost of Christmas present… or presents, we give five reasons why you should think twice about giving gift cards this festive period.

And for the ghost of Christmas future, how you can give friends and family a gift that will last through 2019 - avoiding the loyalty penalty.

As part of our campaign, we reveal the companies stiffing customers and what you can do to combat the problem.

Elsewhere, assistant editor Lee Boyce takes the reigns for the infamous This is Money Christmas taste test – with editor Simon Lambert and host Georgie Frost tucking into mince pies, crisps and more, then having to guess whether it is from a posh supermarket, or budget one.

And like post-Brexit Britain, there are no Brussel(s) in sight.

Georgie also throws a bonus fiendish Christmas quiz into the mix – how many can you get right?

Thanks for listening in 2018 - we hope you enjoy the podcast as much as we do making it. See you next year!