We have 2 months until Christmas -- 62 days to be exact! Have you started budgeting and planning for the holiday? We set aside our first small amount mid-month (only $20, but you have to start somewhere!). The $200 we have scheduled over the next two months won't cover all the gifts we plan on buying, but it's something. We started late this year, and in prior years, we always used the "extra" October paycheck from my husband's company (he's paid biweekly) to put aside Christmas present money. This year our budget is structured a bit differently, so we'll have to be creative in both present selection and carving some extra Christmas budget from everyday spending.