No, it's not strictly accurate, of course not.

There are always the haves and have nots.

It's just that at this time of year, everybody spent up with Christmas, a very long January for pay packets and we are just getting to payday for the second month of the year.

So yes, an awful lot of people simply do not have spare cash to spend on stuff that is not essential.

And do you not think that cutting things to the bone when selling something is just another indicator of the fact that people don't have spare cash?