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PHONE-IN
The British Retail Consortium says the use of cash rose last year - the first increase in a decade. Analysts believe consumers are using cash more to help them manage their tight budgets.

Stephen asks - have you gone back to cash?

Also on the show…

REBECCA FERGUSON
Former X Factor star Rebecca Ferguson tells us why she's taking back control of her career.

ASK THE OPTOMETRIST
It’s your chance to Ask the Optometrist on this week’s health surgery. Optician Morven Campbell is on hand to answer all your questions on eye health.

BABY LOSS
How do you cope with a new pregnancy after losing a baby?

CHRISTMAS JUMPER DAY
How to have a more sustainable Christmas Jumper Day.

OFFICE BENEFITS
Would you prefer shares over higher pay?

MINCE PIES
After years of low demand one hotel in Renfrew has decided to ban mince pies to reduce food waste. We’re going to celebrate the festive treat and find out the secret to getting the recipe right!