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The dog days of summer? Smart holiday shoppers know them as a prime time for catalog and internet bargain shopping.

To clear out old inventory, seasonal retailers offer substantial savings on holiday merchandise during the summer season. Armed with a gift closet inventory and master gift list, a savvy shopper can stock up on Christmas gifts, holiday decorations and fall seasonal decor items. Tucked away in the gift closet, mid-summer bargains become holiday season highlights.

Check the mailbox for summer catalogs ... and save!