Experts like Clark Howard are predicting
Sales for Christmas will start in mid to late October -- not Nov. 1 as it has been in recent years. You'll find the best deals up through about Dec. 10 and then again after Jan. 5. The real deep bargains happen in January. And of course, Black Friday will have the deals, but you shouldn't have to wait that long this year.
So try not to use your credit cards and look for those bargains.