Well, not really, but it'll be here before we know it.
Since you already know Christmas will be here in five months, why wouldn't you start saving now for Christmas presents? That makes more sense than going into debt to buy Christmas gifts.
Determine today: "I will not go into debt to buy Christmas presents. I will save my money starting today and use only cash to buy gifts this Christmas!"
Have a Merry Christmas--start saving today.
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