Are you just a habitual procrastinator? Or were you waiting for your paycheck/a loan/a lottery win/your child support/welfare/settlement check/your husband/wife/ baby mama/baby daddy/mama or daddy to help out your dwindling or nonexistent cash flow?

We understand and we don’t judge. Now that you have some dough, is it too late to handle your Christmas obligations? Not necessarily, but you’d better get on it.

You’ve got a little more time for Kwanzaa shopping as it starts on Friday, December 26 and lasts until Thursday, Jan 1. For more on Kwanzaa, click here. 

You’ve missed a lot of free shipping, but you have until Tuesday to get a gift to your loved ones via UPS, Fedex and USPS. Amazon will also promise orders for delivery on Christmas Day if you order by Tuesday.

Sears, Macy’s and Best Buy offer free shipping through Monday but there are cut-off times, so get your orders in early.

Target, Toys R Us, Kohl’s and Wal-Mart are all open Christmas Eve and in some places, you can order online and then pick up at the store.

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