Christmas account
The last time I looked at a Christmas Club account the terms were definitely not in my favor. I think there were fees attached. Thus, I do not participate. Instead, I shop all year round when the best clearances are on. I shop strictly price and NEVER buy something I want at the moment, unless it is crucial to pay full-price. This way I always have a gift to give for birthdays, etc. We give very nice gifts to people, so my daughter is always invited to the birthday party. This way I can stay in budget and have nice gifts to give. After Christmas sales are not the best. February sales are as they MUST reduce inventory for tax purposes. Happy Savings.
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