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Money-making gifts: The Real Money guide to presents you can bank on

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yesterday

Real Money, a free weekly newsletter giving expert tips on how to save, invest and make the most of your money, is sent every Sunday. You’re reading an excerpt − sign up to get the whole newsletter in your inbox.

Every year when December 1 rolls around, the same few thoughts pop into my brain. First: “Wow, it’s still pretty cold for summer” (I try not to dwell on that one too much) and second: “What the hell am I going........

© The Sydney Morning Herald