Christmas club accounts rock.  At the beginning of the year I decided that I will try the Christmas club thing and save some money for Christmas and our 7th anniversary.  We have a credit union at our work place but I decided to just open another account and put in some money every month and I  am so excited I did that.  I heard another great idea on radio the other day, every month one can buy a $20 or $25 dollar gift card from the store you shop at during Christmas.  At the end of the year, you will have 11 gift cards from different stores and you can shop for the gifts using these gift cards.  Just an idea.