If you happen upon the perfect card for a loved one whose birthday is many months away, go ahead and buy it; you can keep it safe in a handy envelope book. All the required materials are available at office-supply stores. Punch holes in a dozen 9-by-12-inch clasp envelopes so that the envelopes fit in a three-ring binder with address sides facing up. Affix a page from a monthly calendar to each envelope with a glue stick before placing in the binder. Attach binder tabs with the names of the months to the envelopes. Fill in the birthdays or other occasions you need to remember, and drop cards suitable for each recipient in the appropriate envelope throughout the year.