Plan your 2018 purchases now, while you still can. Here’s how.

Behold, the buying calendar.

It’s the ultimate consumer tool. If you’re planning to spend money in 2018, you need to get organized. Why? Because businesses are. They know when you’re likely to buy and are constantly trying to manipulate you with sales, a barrage of ads and armies of highly trained sales associates who don’t take “no” for an answer.

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