I'm here to help, and so I've written a letter for you--sort of like your doctor would to excuse you from gym class. All you have to do is fill in the blanks ... name), I am writing to you on ...

In the meantime, for those of you who just don’t have enough hours in the day to write a heartfelt brag-a-bulletin, here is a fill-in-the-blank-style holiday letter. All you need to do is circle ...

and the Wall Street Journal details how to use the current economic situation to significantly reduce your rent with this simple fill-in-the-blank letter to your landlord. Photo by Editor B.