Start a Christmas savings account. It's not too early. If you begin now and save only $25 a week that would be around $900 by Thanksgiving. Considering the direction of our economy the sales this year should be even more competitive so... advantage buyer. If you're ready to pay in cash when something is on sale you really extend your dollars.
There's a clever account called Smarty Pig that helps you reach specific savings goals. The attractive website doesn't hurt either.
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