Sign up for the Xmas club @ your bank/ CU. Not only is it SAVING, but it keeps you from having the ..."Oh no, it's Christmas-time and I don't have enough money to buy gifts for everyone this year.. Plus, the $$ is taken out of your check before you ever even have a chance to spend any of it.
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I work in a financial institution and have my paycheck go to a checking account at another institution. I also have additional money deposited to a savings account and a Christmas club there. My theory is out of sight, out of mind--I never touch the savings account or the Christmas club!
A small hint for saving for Christmas: My bank automatically takes out money twice a month from my checking and puts it into a Christmas Club account. I just started doing this this year and am amazed at how much I have already saved for Christmas 2010!! YAY!
I have my savings & checking account;however I also have envelopes which I put money in such as Mom & I are going away in 2011 ,one for pleasure, so I have that marked then at our bank we have all purpose clubs, I have one for a Christmas club, one for our yearly taxes,one for vacation ,& my nephews savings so when he graduates .This drives my husband nuts he said put it all in one account when you need it take it out, but this has worked for me for 25 years.
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