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It’s that time of year again: your inbox is full of holiday sales, your calendar’s packed, and suddenly you notice something alarming — a chunk of your hard-earned travel points is about to expire. We’ve all been there, staring at a rewards account thinking, “How did all these points sneak up on me?” The good news is that a little planning can turn those forgotten balances into flights, hotel nights, upgrades, or even memorable experiences. This isn’t just about saving money;