You’ll spend less, feel better and reduce stress if you can plan ahead.
Christmas cards are a great example. If you plan ahead, you’ll have time to make or buy cards that you love to send. If you’re making your card, you won’t have to pay for instant production. You can opt for the cheaper 2-3 day production.
Also, you will pay less for postage with a lot of lead time. You won’t have to use a courier, express service or overnight delivery. You can pay the least and know it will get there in time.
Not planning ahead, and acting on it, will cost you more time, more money, more stress and many missed opportunities. You may even have to pay penalties or fines. (Think about parking tickets. You pay less if you pay quickly. A good incentive).