If you are planning on using any rewards (credit card, debit card, shopper programs) you have been earning throughout the year to shop for the holidays, now is the time to redeem those points and have plenty of time for the gift or gift cards to get to you.
I just redeemed two $25 gift cards to Target for stocking stuffers and a couple gifts. With this plan, I shouldn't have to spend any out of pocket cash on Christmas!!
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