September 25. Only 3 months till December 25 -- Christmas! Start saving now.

[Shwa Girl]

O.k. Don't yell at me. This is good news.

You have 3 months to save for Christmas (if you celebrate this holiday).
And you don't have to go into debt too. If you start taking a tiny bit from each paycheck and put in the bank, by the beginning of December, you should have a nice amount for shopping.

So no need to use the credit card.
No need to have to pay credit card bills in January.

http://www.680news.com/2011/12/14/su...for-christmas/

[Ciel]

Will take your advice for planning for the few gifts I do give . Like you said, small and regular sums will add up (and hopefully for nicely timed retail sales!) in three months' time.

[super807]

We budget for gifts in our overall family budget, so we set aside money each month all year for Christmas gifts, as well as birthday gifts and other gifts that come up through the year (weddings, baby showers, housewarmings, etc.). No debt for gifts.

[blueeyetea]

I also start setting aside money for Christmas in January, so I'm set!

[Frugalbigmama]

Same here. And I pick up stuff as I see it and usually don't touch my Christmas money. Stockings are almost done and 1 DS

We budget for gifts in our overall family budget, so we set aside money each month all year for Christmas gifts, as well as birthday gifts and other gifts that come up through the year (weddings, baby showers, housewarmings, etc.). No debt for gifts.

[Shwa Girl]

We budget for gifts in our overall family budget, so we set aside money each month all year for Christmas gifts, as well as birthday gifts and other gifts that come up through the year (weddings, baby showers, housewarmings, etc.). No debt for gifts.

Great idea. You are very organized.

[Shwa Girl]

Stockings are almost done and 1 DS

[Darth Penguin]

I also start setting aside money for Christmas in January, so I'm set!

my local Metro has a Christmas club. They allow you to save $x per weeek and if you save 50 times the weekly amount , they give you 2 weeks extra $$s free. Plus they allow you to save extra money when you have it. Last year I had saved my quota by mid-November, this year looks the same.

Sure, it links me into Metro for most of my Christmas grocery shopping but those dollars add to my Metro et moi points...

[Shwa Girl]

my local Metro has a Christmas club. They allow you to save $x per weeek and if you save 50 times the weekly amount , they give you 2 weeks extra $$s free. Plus they allow you to save extra money when you have it. Last year I had saved my quota by mid-November, this year looks the same.

Sure, it links me into Metro for most of my Christmas grocery shopping but those dollars add to my Metro et moi points...

Nice that Metro in Quebec is doing this.
Wish Ontario Metro had that option too.

[Candini]

13 more Saturdays before Christmas!

[Shwa Girl]

13 more Saturdays before Christmas!

[frugal50]

i don't give gifts during the holidays so im ok!

[Shwa Girl]

Yup. Not everybody celebrates this holiday. So I put the disclaimer in the first post

[walkonby]

i don't give gifts during the holidays so im ok!

you must save quite a lot of money then. Many do not feel they can opt out of the gift giving no matter how painfully expensive or redundant...... it rears it's ugly head every year.

[sweetmomma]

I try to plan before now as well! Only have a few small things set aside so far but saving my GC's from SB's so I can do a bigger shop!