It’s a scary thought, but it won’t be long before the holiday shopping season is in full swing. Christmas Creep is already setting in as trees and tinsel emerge in the aisles of your favorite stores. While few of us welcome this pre-Halloween intrusion, it serves as a good reminder that it’s never too early to start planning your holiday budget. Try these tips to get your finances in order now so you’re not facing a massive credit card bill come January.