• Rather than waiting for December, keep an eye out for christmas gifts for family and friends year-round. You'll save money and be less stressed for the holidays too.

• By being organized you have alot of free time at you disposal.

• If you have too many clothes in your closet, turn all your hangers backwards. Each time you wear something, flip the hanger around. A few months later, you'll know what you don't wear and what you can donate.

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