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 a barrage of ads and armies of highly trained sales associates who don’t take “no” for an answer.

When is the best time to book your vacation?

When’s the right time to book your next vacation? At the peak of travel-planning season, that’s a common question. This is the time of year when everything from holiday trips to spring-break cruises are being pulled together. But the best answer — besides a noncommittal “it depends” — usually is “as soon as possible.”