Buy some holiday presents over the summer. Just make sure you have a good hiding place!

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Here's the scenario: It's December 24th at about 5pm. The weather is cold, the sky is dark. You slept through Black Friday, worked through Cyber Monday and now you're rushing to the mall to finish your holiday shopping. But instead of actually rushing, you're sitting in bumper-to-bumper traffic with other folks who are on the same errand.

You arrive completely frazzled, only to find yourself pushing through throngs of people who also waited until the last minute, and you're all vying for the same picked-over merchandise. Sound familiar? If so, we're here to offer you a ground-breaking concept: You don't have to wait until the holidays to do your holiday shopping. And the best part is, if you do your shopping year round, not only will you roll into the holidays laden with lots of gifts and little stress, but you'll also be able to save some money in the process. Now, we've got your attention.