Do any of you have a Christmas shopping club at your bank? I started one last year and I’m glad! I have $10 out of every paycheck go into the account. It’s not a ton but it will help. I think I will raise it next year to $20.
I belong to a Christmas club through my bank and through my workplace. I put $20 a week into each of them. I can get the money out at any time - it's not just for Christmas. I don't try to take from it unless it's a Christmas gift.
Good for you and yes, every little bit helps. I keep telling myself that I'm going to do this but always end up not and regret it come Christmas time. So it is a very good idea as long as you stick to it.
Christmas club 
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