Ok, not to channel my inner Bing Crosby, but I can't help but be excited for Christmas! The sweet smell of eggnog, those hideous ugly Christmas sweaters, families together and a big 'ol bill...

Uh, what???

So yes, this is the time that many people tend to overshop. And of course for us young professionals, trying to satisfy the family, your significant other or even your B.F.F., holiday shopping can be a complete bore. It's added stress that we don't need. Might the savvy goddess give you a few pointers...

1. MAKE A PLAN!
This is something that I take in with great importance. NOW is the time to organize what you are spending for your folk. Another great tip is to know what you are working with. I belong to a credit union and one of the perks is setting up a Christmas/holiday account to start saving. You'll be impressed with what you've saved in March come to fruition by November. Just like the saying, the early bird eats the worm, you'll love the benefits of a holiday plan. This is something you do not procrastinate.

2. PUT DOWN THAT PLASTIC!
This was a great tip from my friend Peter Dunn, better known to many as Pete the Planner. Do you really want to welcome 2012 with high overdraft fees from your bank? This is another importance of why saving money is crucial. This is to help you to NOT OVERSPEND and be looking at a high fee once 2012 hits. Just to be on the safe side, leave the plastic at home. You'll be less tempted to pull it out. Another tip that Peter gives is to hit the ATM. Start withdrawing cash now throughout December, to equal your budget plan. Put the money in an envelope and put it in a special place and mark it with a strange word (so no one can find it). You will have a relaxing and peaceful January in years!

3. BEING A MEMBER HAS BENEFITS!
I used to hate shopping for various reasons. One of those reasons is when the cashier asks if you want to join the membership club. But joining a club does have its benefits. For example, many stores have special VIP preview days to see what will be in inventory for the dreaded Black Friday. Some stores also have members get an early start to shop maybe an hour before opening the Wednesday before Thanksgiving or even stay open an hour late that Tuesday. I also can't forget that at some stores, you can get additional savings from what they promote in the ads or on TV. That is something to consider.

4. DO YOUR RESEARCH!
I hate to sound like a professor, but doing your research on items such as electronics can help you become a savvy shopper. Let's take a look at electronics. Usually, items like mp3 players, PC's and tablets can be discounted between the months of July-September to help college bound parents and students save. Also, that's usually the time where some retail people can give you the scoop. If you really want the latest iPad, start picking on their brains now. They're not gonna be too forthcoming once November hits.

If you follow these steps, I promise you, you too, can survive the madness that is the holiday shopping season.

Happy Savings!!