Without a doubt, Christmas is one of my favorite holidays of the year. Lots of giving, lots of loving, and celebrating a certain birth, baby. Even though I dig the season, I hate it when businesses jump the gun and start marketing Christmas sales before the time comes. Did someone forget Halloween? Thanksgiving, anyone?

Take your pick, jack: T.J. Maxx, Toys R Us, Wal-Mart, JCPenney, Marshalls and Costco are already rolling out holiday specials. What's sad is, we're closer to Memorial Day than Christmas Day.

But if they're gonna do it, I might as well put in my two cents when it comes to the green stuff. Once again, Christmas is in December this year. Dave Ramsey always says to save up and be ready for it, so you should. Happy holidays, sucker. AND MAKE SURE TO CHECK OUT MY LATEST CASE, ADDED TODAY!