I know, who wants to think about Christmas in April?
Several years ago, I had my very last 'charge it all' Christmas...and decided to start a Christmas Club account. I have faithfully stuck to it..and to the budget that goes with it for about 4-5 years now. It sure takes alot of stress out of the holiday shopping. Also gives me a way to take advatage of those 'perfect' items on sale thoughout the year.
How 'bout you?? do you have one?? (If not, its not too late to start one!)
