With shoppers set to spend big over the festive period despite higher cost of living pressures, SBS Finance Editor Ricardo Gonçalves speaks with Sally Tindall from Canstar about what credit card users need to know about interest free day periods, Harry Murphy Cruise from Moody's Analytics goes through today's release of the RBA's December board meeting minutes, and Dianne Colledge from Morgans looks through her 2025 crystal ball.