Minta, I get money transferred to my Christmas Club every fortnight. It is a great saver for us as I never use my credit card for Christmas. Last year I did well and ended up with cash still in the account so am off to a good start for this year. One of the best things I ever did was open an account.Al of you are doing a great job ... We been out shopping but haven't found any must buys right now except for a few ornaments for the kids. So I will continue just to tuck money away in the Christmas Club.