Certain consumer groups are more likely to start making holiday purchases before the leaves change. According to CreditCards.com, parents are twice as likely to have started shopping as those without kids. Grandparents are even farther along in their holiday planning, with 7 percent of people ages 65 and older saying they've already finished shopping. That compares to 1 percent of people ages 64 or younger.
And the less money a person makes, the more likely he or she is to try and wrap up their shopping early. According to the findings from CreditCards.com, just 19 percent of those who earn at least $75,000 a year expect to finish their holiday shopping before December. By comparison, 30 percent of those making $30,000 a year plan to do so.
"If you're on a budget, getting an early start on holiday shopping can be a great idea," Schulz said. "For example, it can make it easier to take advantage of layaway programs."
Already this summer, Wal-Mart moved its holiday layaway program two weeks earlier, kicking it off in August. Sears-owned Kmart also announced that it will once again offer a layaway service for no money down, adding the ability for shoppers to lease items for no money down.