**sigh** my Christmas account just isn't looking like I hoped it would by the end of July...
I think it's time to focus and start setting aside a weekly amount - I think an automatic transfer, like I do for the kids, will be a better option.
Originally my plan was to put away gift money for a person on their birthday - works well in theory, but I guess it's harder then I thought to, for example, buy my mum a birthday present AND put away about the same amount for a Christmas Present - at the same time!!
So - problem recognised early. I can rectify!!