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Available for over a year

It's our weekly phone in today and we're asking: "How are you planning for Christmas this year?" A survey by MoneySupermarket found one in ten said they'd be using credit to spread the cost of christmas this year. The survey asked 1000 people about their spending plans and 9% of them said they would be using Buy Now Pay Later too. People also mentioned worries about the price of socialising, eating and drinking out because that has become much more expensive. But it's not just about money - sometimes you want to change how you celebrate Christmas. What are you prioritising, and who are you prioritising this year to make sure you have an enjoyable and relaxing festive period? Have you decided to try something different? Perhaps go overseas, or volunteer locally to help people who perhaps don't have the money or family to have that picture postcard Christmas we see on TV. Tell us - "How are you planning for Christmas this year?" You can call us 03700 100 444 after 11am Or email us youandyours@bbc.co.uk PRESENTER: WINIFRED ROBINSON PRODUCER: LYDIA THOMAS