Quote Originally Posted by Mary Angeldog View Post
I have a separate Christmas account that I put money into every month. During the year if I see the perfect gift for someone I buy it using the money from my Chrisstmas account. Since I started doing this I rarely have to use a credit card. I also take $ for Christmas cards, postage stamps and some holiday activities out of this account.
That is a very good idea and I wish I could do it myself but I know that if I needed the money for something important but not christmassy I'd probably use it there. That's why I start saving money only a few months before Christmas. Although this year I've already bought a couple of Christmas presents as I've mentioned before.