I don`t send cards
However I do plan ahead via regular savings and have three of these, set up since last november. Not for christmas specifically but called christmas regular savers. Interest rates are excellent and I need them for the bills that arrive soon after christmas every year
Re christmas presents, I start making things for my family from around june, lovely knitted hats, socks, shawls etc. Good on those who do advance planning btw
My organic people started to put christmas meats, veg and fruit boxes onto their site yesterday. I placed my order, I can always cancel closer to christmas
IMO, people can talk and write about christmas whenever they want, the shouters are very rude and self-centred