Shoppers may roll their eyes when they see Christmas items on store shelves in September and October, but getting a jump on holiday shopping may be financially beneficial for some consumers. Financial experts say this is actually a good time to start making those Christmas lists. They add that an early spending plan can also help put more money in a holiday budget, if consumers wisely use their credit cards with rewards attached. Also, they recommend keeping a savings plan throughout the year so consumers are ready for emergencies. Those who really need money to be out of sight in order not to spend it should have a portion of their paycheck directly deposited into a savings account.