As the autumn season nears and today marks exactly three months until Christmas day (Oh no!) the savvy amongst us have either started their christmas shopping already or are planning to with their October salary.
It may seem too early to mention the dreaded 'C' word but we all know how quickly three months goes...especially when you think that it's technically only three (if you're lucky) pay days away. Aaaarrrrrggggghhhhhh!!!