If you haven't finished -- heck, started -- your holiday shopping, you are not alone. In fact, there are 41 million people out there who had not started their shopping as of Tuesday, according to the National Retail Federation.

I suddenly don't feel so bad (I've started mine, thank you very much, just not finished. Where do you find a build-your-own remote control car anyway?).

You have an excuse: There's one less weekend between Thanksgiving and Christmas than last year.

Even better, you are smart for waiting because retailers will continue to discount merchandise this year as it gets closer to Christmas.

And many retailers have free shipping offers on or around Thursday. Click here to find out which ones.

So, proscrastinators, kudos to you for being smart shoppers.