Debt-Proof Living

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When do you start preparing for the Holiday season?
The day after Christmas, I start planning for next year, of course!
I'm a big fan of Christmas in July. That's when I start making gifts and cards.
Sometime during the early fall, when the earliest holiday decorations start appearing.
The day after Thanksgiving. I hit the Black Friday sales and start my holiday planning.
Oh, a couple of days before Christmas I join the holiday rat race.
I don't. Go ahead. Just call me Scrooge.

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