I always plan ahead for my holiday shopping.
Every Thanksgiving we have a huge party. We call it our Turkey Stuffing Party. It ends up costing me quite a bit, so I start purchasing for that party in Sept.
For Christmas, I shop all year long. It is easier to come up with $40 here and there instead of having to come up with the money all at once.
If you are low on money, you can make gifts. What about homemade fudge? Remember, it is the thought that counts.