As a teenager, the Georgian-born Katie Melua moved to Redhill in England. According to a November 2016 article in Surrey Downs Magazine, this song "touches on the commercialism of Christmas in the West."
"A Time To Buy" includes backing vocals by the Gori Women's Choir and is about a young woman for whom Christmas shopping is a financial challenge, an experience the future Mrs. Toseland never had; her father is a heart surgeon, and according to the same article, by 2007 she was the biggest selling UK-based female artist in the world. By the time In Winter was released, she was said to have a net worth of £12 million.
Suggestion credit: Alexander Baron - London, England, for above 2