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10-24-2009, 06:01 PM
| #1 (permalink) | |
| Hakuna Matata  Join Date: Feb 2002 Location: Boston area
Posts: 17,041
| Anyone do a Christmas Club ? Every year at this time I say I am going to do a Christmas club next year so I have money for Christmas shopping. Of course Every year I don't join one. I see Sears is doing one too now, though I don't do much shopping there, so would not be worth it for me. I am thinking next year I will join one at one of the banks here. Anyone have one they use for Christmas shopping? Or have one for saving for your vacation instead?
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10-24-2009, 07:01 PM
| #2 (permalink) | |
| Believe in the magic....  Join Date: Aug 2008 Location: Haverhill , Massachusetts
Posts: 3,785
| I always have a Christmas Club account where I have my checking account and just have the money taken from my checking every week. It is always nice to get the check the middle of October to start my Christmas shopping.
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10-24-2009, 09:45 PM
| #3 (permalink) | |
| RED SOX NATION!!  Join Date: Aug 2002 Location: Connecticut
Posts: 90,680
| I've never used one, but my Mom always did for Christmas shopping! Great way to save! 
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10-25-2009, 06:40 AM
| #4 (permalink) | |
| Community Rank: Wayfarer   Join Date: Feb 2006 Location: Maine
Posts: 190
| I have both a Christmas club and a vacation club through my credit union...even if you start small(maybe $5or $10) a week...you don't even notice it because it's money you probably would have tossed away on a magazine or coffee or impulse buy...Seeing it add up encourages one to keep adding more to those savings clubs...I posted recently that I quit smoking and went immediately to the credit union and had the money I had been spending on cigarettes taken out of my paycheck and put directly into my vacation club...this is a significant amount since I was spending so much on this very bad habit...
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10-25-2009, 07:01 AM
| #5 (permalink) | |
| Community Rank: Explorer   Join Date: Jun 2004 Location: Pennsylvania
Posts: 8,220
| We have one for vacation which comes from my husband's check (it's called a vacation fund, but it's the same idea-- they take money out every week from his check). I am opening a Christmas Club to be taken out of my check as soon as I get my first paycheck (starting a new job)--obviously it won't help us this year, but next year will be nice.
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10-25-2009, 09:37 AM
| #6 (permalink) | |
| Faith, Trust, Pixie Dust  Join Date: Jul 2004 Location: Connecticut
Posts: 27,411
| I have had a Christmas club for as long as I remember. I also have a vacation club. The Christmas club automatically comes out of the checking every week and the vacation club comes out of my check.
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10-25-2009, 09:40 AM
| #7 (permalink) | |
| Eileeeeeeen!™  Join Date: Nov 2003 Location: Philadelphia, PA
Posts: 19,185
| Other than a convenient way to save, does the bank give any incentive -- like do they give you $20 in the check they send in October? I think I might have to start this next year. Eileen
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10-25-2009, 09:46 AM
| #8 (permalink) | |
| Community Rank: Explorer  Join Date: May 2002 Location: Manchester NH
Posts: 10,766
| I think both of these would be great for Dh and I to start next year... this year we are scrambling for Christmas because we are determined not to use CCs but did not plan this out far enough in advance... and maybe if we do a vacation club, I can actually convince dh to take a vacation 
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10-25-2009, 10:06 AM
| #9 (permalink) |
 Join Date: Nov 2008 Location: Stockbridge, Ga.
Posts: 3,189
| I've had a Christmas Club for years. It sure is nice to get money to pay cash for Christmas. It's so easy to have it deducted from my check rather than for me to try to deposit the money. I am afraid I will find other uses for it before I could get to the bank. This way, I don't ever think about it. |
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10-25-2009, 10:23 AM
| #10 (permalink) | ||
| Community Rank: Wayfarer Join Date: Feb 2006 Location: Maine
Posts: 190
| Quote:
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10-25-2009, 05:55 PM
| #11 (permalink) | |
| Hakuna Matata Join Date: Feb 2002 Location: Boston area
Posts: 17,041
| I think I am definitely going to start a Christmas Club next year! Thanks everyone for your wonderful advice 
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10-27-2009, 09:59 PM
| #13 (permalink) | |
| Magic Happens!  Join Date: Oct 2001 Location: E. Stroudsburg, PA
Posts: 21,271
| I have one! I set it up at the bank that my paycheck is drawn on, so when I cash my check, the first $30 goes to my CC account. It's very very helpful to have!
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10-27-2009, 10:43 PM
| #14 (permalink) | |
| Always Planning 4 Disney  Join Date: Dec 2004 Location: Louisville, KY
Posts: 18,517
| Love, love, love my Christmas Club acct. Makes spending for the holidays so much easier and saving is easier the moeny automatically goes into my acct with each paycheck.
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10-28-2009, 09:26 AM
| #15 (permalink) | |
| Community Rank: Scout   Join Date: May 2004 Location: Chicago Suburbs
Posts: 4,897
| I have one with my credit union through work. It's nice to know that the money is there for shopping when it normally wouldn't be because of paycuts and short hours.
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About This Page: This is a discussion on Anyone do a Christmas Club ? within the The Office: Budgeting and Reward Programs, part of the PassPorter Community - Message Boards and Forums; Every year at this time I say I am going to do a Christmas club next year so I have ...
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