Personally I'd rather be notified sooner - it's fine saying "let them know before they build up holiday debt", but I'm sure that, by now, many of them would hav

Personally I'd rather be notified sooner - it's fine saying "let them know before they build up holiday debt", but I'm sure that, by now, many of them would have already bought the presents, booked the holiday, whatever it is they would be spending money on.