By Danny Zemp
The RBA decision not to raise the cash rate at their final meeting for 2023 is a welcome early Christmas gift for homeowners, not that times aren’t still tough for all.

The RBA decision not to raise the cash rate at their final meeting for 2023 is a welcome early Christmas gift for homeowners, not that times aren’t still tough for all.

Cartoonist Danny Zemp depicts a hilarious grinch Ibis looking dismayed as Christmas rolls around this year.