OK so here is the thing, I have two children and both of their birthdays are 3 days apart in December, plus Christmas! Let's just say December is a very crazy, busy month for me. I start saving as soon as I can, as much as i can. But even if you don't have kids birthdays in December it still is a really good idea to just get it done. Plus everyone around you will be impressed that you have your shopping done and you wont have to stress so much , with last minute shopping.. Layaway is an awesome thing because you only usually have to put down about 5% and you can start just stacking up for Christmas from now until then, even if it is just wrapping paper and decorations. Some layaway's are also free as well. So it works out great for you because you will have all of your Christmas shopping done and if you don't have the money now, you can pay it when you do, monthly is good! There is also online shopping a really great website to go to for all your Christmas needs is Amazon. They have such great deals on well.... everything, and then you can just have things shipped to you and stay away from the crazy holiday crowds. Here are a couple of great deals I found on Amazon but you should defiantly check it out for your self. Don't stress this year be organized and plan ahead it's so much better.