My tip is for gift/Christmas giving. When I see a gift perfect for someone I buy it no matter what time of year. I find it actually easier to shop year round. I have a closet with bags that have everyone's name on it. So when I find a gift I put it in the bag for that person. When that persons birthday comes up I go to my bag and there is a gift! I have save time, I spread out the cost of gift giving over the year and haven't had to fight the crowds during the Christmas madness! I hope this helps.