KIRATIYA KUMKAEW / Shutterstock.com
Editor’s Note: This story originally appeared on The Penny Hoarder. Don’t you want to scream when you see Christmas displays in the stores before Halloween? Or when “It’s Beginning to Look a Lot Like Christmas” is stuck in your head for two months because it starts playing in early November? The Christmas creep can be annoying, but there’s at least one good reason to start thinking about the…