Holiday Shoppers Finding Deals By Skipping The Seasonal Rush

Christmas is more than three months away, but predictions on holiday shopping are in. Total sales could hit $965 Billion. And many say they will start shopping earlier to snag up deals.

A survey from CreditCards.com shows since Labor Day, more than 32-million Americans have started holiday shopping. If you haven't started here are four ways you could save money by hitting the aisles now.

Credit.com says you should make a list and check it twice. Experts say staying organized is key. So you don't buy multiple items and you can track your expenses.

Next, subscribe to newsletters. By getting emails or catalogs to the store you know you'll shop at, you can decide what to purchase. Plus, most offer 10 to 15-percent off some items for just signing up.

You can also sign up for layaway which they cite is often overlooked. This will allow you to space out payments, and unlike credit card purchases, layaway is interest free.

And lastly, buy some items early. Despite the craze surrounding Black Friday, there are some items that are never marked down. We're talking gift cards, designer clothing and high end electronics.

About 4.6 million shoppers have completed their shopping.