In this series, we are learning how to ensure we pay cash for next Christmas!

Step 1 Determine how much money you want for Christmas nex...

The goal in this step is to use the Mini-Budget Form (Excel) on the

Text is TOOLS and Link is http://www.josephsangl.com/?page_id=151

TOOLS page to determine the amount of money that you want for next year's Christmas.

Text is Step 2 Save EVERY month for Christmas next year and Link is http://iwasbroke.savingadvice.com/2008/01/03/save-money-for-next-christmas-part-2_33585/

Step 2 Save EVERY month for Christmas next year

By saving for Christmas every single month of the year, you can really lighten the financial burden that is regularly felt in November and December's budget!

Step 3 Make it AUTOMATIC!

Anyone who has ever participated in a Christmas Club savings account KNOWS how great it is to have the savings be AUTOMATIC! When you make anything automatic, it helps you stick to it. If you automatically go to gym every morning, you will stay in shape. If you automatically read your newspaper every morning, you will stay informed. If you automatically SAVE, you will pay cash for Christmas!

One reason I regularly promote

Text is ING Direct's on-line savings accounts and Link is http://www.jdoqocy.com/7e102js0ys-FIMJIPNMFHGKIGLOL

ING Direct's on-line savings accounts is because of their great interest rates with no minimum balance. Another reason is these accounts have a feature that allows you to AUTOMATICALLY draft your bank account at a set frequency. You can set it to draft your account monthly, weekly, bi-weekly, semi-monthly, or any other frequency you choose. You have determined the amount you need to save for next year's Christmas. Now why not

Text is set up a bank account and Link is http://www.jdoqocy.com/7e102js0ys-FIMJIPNMFHGKIGLOL

set up a bank account to keep you on course? If your bank pays competitive interest, you should contact them to have an automatic draft set up.

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