Get the stories that matter to you sent straight to your inbox with our daily newsletter.Almost half of consumers are planning to cut back on Christmas spending this year, according to a poll.A survey by Citizens Advice Scotland (CAS) has revealed that 45 per cent of people in Scotland are planning to splash out less this festive season than they did last year.But the research by YouGov also revealed that 16 per cent will take on debt to buy gifts, despite the coronavirus crisis squeezing