I don't think it is ever too early to start, I hate last minute panics! A Flower For All Seasons is a great little stamp set, you can literally cover cards for every time of year and it watercolours beautifully!
Many Merry Messages takes care what words to stamp on your card, it covers everything Christmas and offers so many font styles and words for both the outside of your card and the inside.
Stamps: A flower For All Seasons, Many Merry Messages
Cardstock: Whisper White, Real Red, Old Olive, Watercolour Paper
Ink: Basic Black, Black StazOn
Accessories: Real Red, Old Olive and Sahara Sand Stamp Pads for colouring off the lid, Blender Pen, Scallop Border Punch