One of the reasons we have MHH is to help us plan for the next Christmas which includes trying to have a debt free Christmas. If you haven't started a Christmas Club account for 2016, this is the month to do it. Check where you work. If they have a credit union, you can have money deducted from your paycheck that goes directly into an account before you ever get your check. Also, think about putting a little on gift cards you can use during the holidays. After I realized there was one store I don't shop at much during the year, but do near the holidays, I started a GC for there for this year. I was surprised how glad I was that I had money on GCs to use because I always have a Christmas Club account. I used the GCs more for seasonal grocery items than for presents. However, I did use my Walmart card for all of my Black Friday purchases that I wanted for gifts. So far I have: $100 in the Christmas Club $30 on a Walmart card $10 on a Target card $10 on Super One card Hope to have more before the end of the month. Remember, even saving just a little is helpful. You will be so glad when the time comes to have the little extra you've been squirreling away. Happy saving, everyone!