Print out that article, and when you get your 2009 calendar, staple it to the page for August. When August 2009 comes around, and I hope we are all still around then, read the article and immediately start implementing those ideas. Twelve days before Christmas, however, it's too late for most of it.
And to the editors of Decor and PFM, please put these articles in your August and September issues, when they can be of practical use. Don't wait til the December issue to remind us of all the great things we could have been doing over the previous 3 months.
Rick