Paige Ridlings, 21, spent £600 on 40 items for her youngsters, including a trampoline, two kids' bicycles and a toy dog that helps children learn to read.
Mum-of-two Paige, says she hates "rushing around" in December and instead prefers to sort the shopping early.
She dismissed claims that she spends too much on tots Oscar, two, and 11-month-old Rogan-Leigh, claiming they receive fewer presents on their birthdays.
Most gifts cost between £15 and £20, including two bean bags and an assortment of small toys.
Paige, from Oldham, Greater Manchester, started shopping in March and has finally finished – four months ahead of schedule.
She buys presents from Very.com using credit and has 12 months to pay it back. She has already paid back £400.
Paige told the Mirror: “I find it so much easier to shop like this because there's no rushing around – and I can make sure my boys have stuff they have asked for.
“I used to leave Christmas shopping to the last minute.
“It was so stressful because it would be hard to find some toys because they'd be out of stock and near Christmas time shops are always busy – buying early doesn't have that stress.”
The mum lives with her partner and the children's dad Luke, 24 who works for security firm G4S.
She added: “Two years ago I wasn't able to get my first son much – he only had five presents and I felt awful.
“It didn't help that we just moved into our new home so were tight on cash – but with now I can get stuff online for my two boys.
"I didn't realise how much I'd spent this year until I added it all up but I don't have a problem with it.
"The children won't have loads spent on them for birthdays – which is why I spend more at Christmas.
"If people say I spend to much then it's their opinion – every year I go through my kids toys and give a lot to charity so when it comes to Christmas I have room for new toys.
"It's such a relief – I'm all done and set for the day."
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