Hobby Lobby has their Christmas products out.  It’s full on summer and there are nutcrackers in the center aisle.  Crafters may love this, but the rest of us sure as heck don’t. This summer I’ve also noticed several Christmas in July sales at furniture stores, clothing boutiques, and Bath and Body Works.  (candles, anyone?)  That Elf graphic crossed my news feed yesterday…22 weeks til Christmas!  Ya’ll (I’m borrowing authority from southern mamas using this word) it’s July.  Settle down. At 11:37 pm when my body was tired and my brain was loud, it struck me- I’m also preparing for Christmas this July.  The difference is that I’m doing it financially, not…