Halloween hasn't arrived yet but here we are talking about Christmas.
But for a good reason-to help you save money.
The National Retail Federation found that consumers spent a total of $798.4 billion during the 2020 season. Up from 8.3% the year before.
Waiting until November or December to make your purchases means you will most likely use a credit card which will accrue interest on your purchases.
Instead establish a Christmas savings plan now to avoid debt and overspending.