It seems like the stores stock Christmas decor, Halloween candy, Easter basket stuffers and Valentine's treats earlier every year. The same goes for swimwear, shorts and the ever-popular crop tops of summer. Here in New Jersey, we have only had warm weather for a week or two, but the stores have been stocked for summer since February (which I can't complain about...it definitely made sure I was ready for our March/April trip to Florida). As soon as the new season's fashion hits stores I start brainstorming how to shed my winter weight and how to afford a closet overhaul. Since summer clothes have been out on the racks, I've been on the hunt for the most rewarding (physically and monetarily) programs.