One thing that's certain is the fact that Christmas does not come to you unannounced. Right from January, you already know that you have eleven month left before December and Christmas and if you're intentional about your finances as you should, then what you should do should be to start early to make the right plan.

Christmas will always come and go and you have a lot of months to cope with. Inappropriate spending during the season regardless of the pressure to the point of using your asset to carter for your wants will only drain your investment and probably course you to start from square one over and over again. They don't give award for the best Christmas spender so why the pressure?