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Now that Christmas commercials have started, I will give you a good piece of advice to keep your holiday spending under control. Make a list of everything you buy and for whom. Part of what merchants are banking on is that if you start shopping early, you will forget what youve bought and will buy more. I know this to be true because its happened to me. But, because I kept a list, I pulled it out and realized, Id purchased plenty already. Keep a list. Save your budget. Do you think I could sell this idea to congress?

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