BEFORE my correspondences with Mr T Scaife (Letters, December 13) concludes, one concept of economics stays constant: nobody – individuals, families, TUC’s or government – should spend money unless it has been earned. Doing otherwise debts accrue.

I wish Tom a merry Christmas but perhaps a dose of Dickens (earn 19/6 – spend £1.06) would help him appreciate my point, thus enabling his good self to enjoy clarity of mind for the New Year, in contrast to the muddled one he accuses me of having.

Peter Rickaby, West Park, Selby.