Many Christmas clubs are getting started now. Saving a bit each week to spread the cost is a sensible idea but make sure it's with a reputable company and that you're covered for losses if it goes bust before pay-out date.
Saw my first Skin Donor on Sunday - a motorcyclist/motor scooter rider wearing "summer silly kit" - shorts, T-shirt, trainers and a crash helmet... even falling off at 5 mph he's going to lose a lot of skin.
It's when you see the first items for sale in the shops that the Christmas Madness truly begins. Usually the day after August Bank Holiday.