I'm afraid the crystal ball everyone uses to determine the answer to your questions is a little wonky currently but feel free to ask again later.

The best time to spend is an individual decision. Collectively speaking, spending is symptomatic of the economy - low interest rates, rising stock markets, rising confidence and rising inflation.

Times not to spend - deflation, rising interest rates and $%^& economy with threat to jobs.

Save during boom times when everyone else is spending, then spend during the bust so you can really p*** everyone else off :)

The best time to spend is when there is something you need to buy. In the meantime put a little cash aside so that you don't have to borrow when that time comes. The only thing I would borrow to buy is a house..

Yes I agree MARK. But not just yet unless you hit the seller by 15% or more; and even then consider the house's real value!

The best time to spend is when you have lots of money.The big question is 'How much is A Lot Of Money' ?If you don't have any money, no one wants to know you anyway.Thats the way of the world.Rather cynical isn't it ?

Make a wish list of everything you need. The list may include anything that you require from a new house to a cooker. You may even want a holiday. Monitor prices. Everything goes up and also comes down. Wait until what you want is at a low price then spend. We have a recession, property crashes. This is the best time to buy. A terrorist attack happens, god forbid, however, the next day nobody wants to fly. Again, this is the time to buy.Some things are best bought in season. ie Vegetables and fruit are always cheaper in season. Some things are best bought out of season. The time toi purchase a new gas fire is in the middle of a red hot summer.Best time to buy a caravan is at the end of the season. Happy hunting.