Black Friday has come and gone. Cyber Monday is but a memory.Christmas day is less than a month away and retailers are saying the season is going to be a good one. The jury is out however on whether or not the money being spent is liquid or based on a credit system. How are things looking for you? Are you shopping in brick-and-mortar stores or do you prefer the online method? Are you spending limited cash or taking the hit with credit cards?GO!