A new year that brings new clothes, new toys, new fads, and hopefully a few new things for mom. *Sigh* Most of you are probably like me and you have a hard time buying for yourself when you could spend it on the kids. But I’ve made the first step towards making this year better for my family and that was by opening a Christmas Club savings account at our bank. I *dislike* the holiday season because we always go way over our budget and then I’m squeezing pennies together to make ends meet. With a Christmas Club account, you put money in, but you can have it until Nov 1, which is perfect for us. I’ve vowed to put $40 a month in ours (at minimum) and I made our first deposit on Thursday. I’ve had several friends that are also doing this for the first time and making next holiday season a little less