do you have one?

I have always carried one and automatically transferred money every payday.

How do you get one? I am going to remember that for next year!

nope...but after reading what you ladies do, I plan to impliment one after the new year!

not this year, have in the past.. I like Navy Fed's because it's technically not a christmas account, so you can start it one whenever you want.

See if your bank has the option for you to have an additional savings account that is attached to your regular savings account. Some banks have a lock on when you can withdraw the money (December Only), while others you can use the money whenever.

I'm seriously considering opening one for next year!

See if your bank has the option for you to have an additional savings account that is attached to your regular savings account. Some banks have a lock on when you can withdraw the money (December Only), while others you can use the money whenever.

Oh awesome. Maybe Mike and I will consider doing that next year with Navy Fed.

I'll tell you, it lifts the financial stress of not having money at the holidays.....I really recommend people to start one - especially when you have kids!

Nope, can't afford to do it. When we can afford it, we will.

Yes, we have one that gets $50 a paycheck. It saves our ass come the holiday season :yes

Nope, can't afford to do it. When we can afford it, we will.
Think about it this way....5 dollars a payday is $120.

I have an extra savings account that I've been putting money in the last 4 months for Christmas. I'm glad I did that because we would have been freaking out when December rolls around.

Think about it this way....5 dollars a payday is $120.

;) If I HAD that amount leftover I would do it, but Ellen, seriously- we are very poor. I put $100/mo into our savings for emergencies, but I do not count that as Christmas money. It's for emergencies. We put $100/mo into TSP- also more important to have a retirement than material possessions. Also, as I put in the other thread, there are programs for e6 and below for Christmas out here. I use those because we are so poor. Why shouldn't I? :shrug

;) If I HAD that amount leftover I would do it, but Ellen, seriously- we are very poor. I put $100/mo into our savings for emergencies, but I do not count that as Christmas money. It's for emergencies. We put $100/mo into TSP- also more important to have a retirement than material possessions. Also, as I put in the other thread, there are programs for e6 and below for Christmas out here. I use those because we are so poor. Why shouldn't I? :shrug
You SHOULD use those programs - that is what they are there for....even if you were't low on funds, those programs are rank based, not finance based. :)

What are these programs for E6 and below?
Just curious. There is so many programs that I just know nothing about.
School me! :)

What are these programs for E6 and below?
Just curious. There is so many programs that I just know nothing about.
School me! :)

Well, you'll probably get an email, hmm.... sometime this month from the command, but the ASYMCA has 2 and Operation Homefront has one. ;)

Yes I do. It is the only way to go.

We have a savings account in which we depost 300.00 each month and during the holidays I withdraw about 1000.00 if we need it to shop, food, events etc. It's a nice thing to have. It's not a specific "christmas" account, but just a savings account.

great idea-I want to start that next yr:yes

wow i wish i would have known about that sooner!! We use ING and use mine as that sort of thing...only cuz i can never remeber any of that stuff!!

that sounds so cool i am going to start one!

no but this is the first year we needed to worry about Christmas

No, but, I want to do one next year.