Real frugalistas know that you should start next year’s holiday shopping the day after Christmas. But let’s face it: Not everyone is in the mood. For me, starting after Labor Day is early enough, unless I spot some perfect and irresistible item in May. The thing about early holiday shopping is that you have the time to think about purchases and, better yet, to budget for them. You don’t have to blow your credit limit all in one month. The National Retail Federation estimates that consumers ages 45 to 64 will spend more than $600 on Christmas gifts every year. And that doesn’t include things like decorations. The study also shows that 38 percent of consumers start their Christmas shopping before November, which they estimate saves them an average of nearly $400 total by shopping wisely and taking advantage of early discounts. For some tips, gleaned from experts in the area of wise shopping, read the full story on our sister site, Living on the Cheap.