Katie Guild, co-founder of Nugget Savings, shares insights on parental financial planning during maternity leave, highlighting the struggles with statutory pay. Jane Foley, Head of FX Strategy at Rabobank, discusses how central bank policies impact the economy and consumer confidence during the holiday season. Michelle O'Gorman, owner of a local jewellery shop, reveals the challenges small businesses face amid rising costs and adverse weather. The conversation weaves in the significance of community and local shopping during this festive period.