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40% of Americans start shopping for holiday gifts
before Halloween.
– National Retail Federation

Dear Friend,

The holidays are fast approaching. Have you started to prepare for this fun and exciting time of year? Unfortunately, many people could end up paying for the merriment long after it has passed.

This month I have sent some tips to help keep spending in check while still enjoying the fruits of the season. You’ll also find some practical gift-giving strategies.

I hope you and yours have a warm and wonderful holiday season! As always, please call if there is anything I can do for you personally.

Sincerely,

Carol

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