With only a few weeks left before Christmas, shoppers are busy trying to get those last minute gifts before the big day. But it`s important to spend wisely and to not go over your budgets. Many banks like Southwest Missouri Bank have Christmas Clubs available. That`s where customers can put a certain amount of money away throughout the years for their Christmas spending. Financial experts say that the best advice is to just stick to your budget and to use some common sense while shopping.