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In response to "devastation of the bank account - I really need to save all year, then buy -- nm" by Epiphany

I start buying stuff in early Sept. Chirstmas, mel's b-day and our anniversary are all within 3 weeks of each other.

And this comes shortly after 95% of the b-days in my family. If I don't start early enough and spread the buying over a period time I'm simply too tapped to do anything. And I paid off all my CC balances as I don't want to be in that kind of debt again.

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