I just use one of my paychecks in Nov. I do change jars, surveys, mypoints, my DH's safety gift card.
I start my shopping very early! I have all of DD3 wrapped gifts stashed away already. Thank god for Target! We have 5 nieces and nephews to buy for and those are stashed also.
I've picked up a few things for my DS9 for under the tree. I love Amazon's Friday sale!
I try not to ask DH for to much money because he always wants to buy me something nice.
He goes with me on BF! He wants a gottadeal shirt too.