We’re about 3 months out from Christmas and some people in our area have already gotten a jump-start on planning and saving money for their holiday shopping. TOLEDO, Ohio — We just barely started breaking out those fall decorations and it may seem far off, but money experts suggest you start thinking about holiday shopping and how much you need to save. We’re about three months out from Christmas and some people in our area have already gotten a jump-start on planning and saving money for their holiday shopping. “I start technically the Christmas before,” said shopper, Jessica Hastin. Some take a more casual approach.  “I haven’t even started to…