I am working on my monthly budgets for 2014 and that means starting my savings for Christmas 2014. I save a certain amount every paycheck from January to October. When the end of October comes and I am getting ready for Christmas shopping, the money is in my Christmas Club account. I have learned to only spend the amount I have saved for the year and since I started saving like this, I have never gone over budget. Even if you can only put away a small amount every paycheck or every month, it will add up and make a big difference once Christmas comes. Happy Saving!!