Christmas is only 12 weeks away, which means there are only 84 shopping days left! Many people have already begun their Christmas shopping! Have you? There are many deals out there to help you get ready.

October is the biggest candy month of the year. It is a great time to stock up for all your holidays. Keep an eye out for holiday baking supplies as well as they come on sale.

Do you use a family photo for your Christmas card? Choose a good photo taken sometime during the last year and order your Christmas cards now! You can find some great discounts from online suppliers such as Shutterfly.

Check your rewards program balances if you have them. Are there any matches you can make with your children’s Christmas wish lists?
This is also a good time of year to make a list of those people you are purchasing presents for during the holiday season. Make a list to carry with you, when you are out and about keep your eyes open for the items on your list.
Believe it or not this may also be the time of year to purchase a new car if you must! The salespeople begin to get a bit nervous about meeting or beating year end quotas and may be wiling to offer you a deal!

Remember don’t spend money you don’t have no matter what the bargain is!

Linked to: TheWonderingBrain, FrugallySustainable, TheThriftyHome, FabulouslyFrugalThursday