'i' am in complete compliance with M69 in this respect.December 24th.
One-stop shopping at the bank.
Reason #1: Nobody ever complains that I shouldn't have.
Reason #2: It's never the wrong size or color.
Reason #3: Never had any returns.
My wife shops for Christmas year-round, bless her heart, she usually finishes up the day after Thanksgiving ( on last minute gifts ).