I noticed there are now houses with Christmas lights, and Christmas decors are being sold everywhere. Just yesterday, I checked out BookSale and Christmas story books occupied the first shelf you’d see upon entering. Well, it’s less than three months till Christmas, and I know you’d want to start shopping now too to avoid the holiday rush.

I started to do mine last week, and I’m hoping I can cross more items off my list this month. Hmm, I’m thinking, should I get a cash advance just to avoid the crowd? Or I could just wait for the Christmas bonus and mall sales but will have to brave the mad crowd.