1. Thanks for these tips 🙂 We sometimes get too excited because of the season of giving. and also, there are more mall sales now and if you have extra money, you can start buying gifts na.

  2. I am not sure banks still offer this service in the US. Many years ago, banks would open what was called a “Christmas club account ” for you. If I recall correctly, this usually began during our summer vacation in late June. You would receive a passbook and interest on the money. When the season arrived, you had spending money.

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