ST. LOUIS (KSDK) - I know you're not ready to think about it, but some retailers are already ramping up Christmas advertising.
It's called "Christmas creep." But instead of grumbling about it, our next guest is urging you to use this time to your financial benefit.
Thomas Nitzsche from Clearpoint Credit Counseling Solutions joined First @ 4 on Thursday with four tips to help with Christmas spending.
Click the video player above to hear Nitzsche's tips for the holiday season.