Back when I started my job with the university I started a Christmas Club fund. My parents always had one when I was growing up and more than once my mom remark on how great it was. The fact that Bub's birthday is also in December adds to the amount of money we have to spend. So when the opportunity arose I started a fund and it has been one of the best money decisions I've ever made.
A certain amount of money gets pulled out of my paycheck every month and I budget how much goes to who. And then I have the money to get everyone something nice. Plus we have the money needed for Bub's birthday presents and his party. It's the party that costs the most. So it's nice not having to worry about where the money is going to come from.
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