Watching TV and I just saw an ad from Kmart & Sears advertising their Christmas Club card. Needless to say, I am a little shocked to see Christmas advertisements in early September. During this recession though, I can't blame them for offering a Christmas credit card to lock in some early season sales!In addition, Starbucks now has there Pumpkin Spice Latte out as part of their fall beverage lineup. They also offer pumpkin loaf and a few other pumpkin goodies. Yep, December 25, 2009 will be here before we know it. Are you ready?