Yes, you read that correct. It is time to think about saving for NEXT year. If you do not have a Christmas Savings account set one up NOW. I just looked and my bank has it so I can set up an account online. I can start taking money out Oct 15th without a fee (be sure to check for the details). So do this today: check out online to see if your bank has this as an option. If not while you are out and about this week stop by your bank to set up an account. Those of you that already have an account, buy yourself a little special gift today.