Christmas decorations are out in stores, a small reminder that the holidays are just around the corner.

Have you thought about Christmas shopping yet or is a last-second run to the mall more likely?

When do you start Christmas shopping?

I usually do a little Christmas shopping early, then a little later.  And by early, I mean early December.  October shopping?  That's just crazy.

Black Friday shopping is crazy too, because of the crowds, but at least you can save some money if you shop smart.