I signed up for a Christmas Club at one of the Savings and Loans near where I live. Then I went to my employer and set up an automatic deposit into that account for every payday.
It really adds up by the end of their Christmas Club year, which is around the second week of October. Most of the time, I will not have to use the credit card at all.....
The Bell Still Rings for me,
as it does for all who truly Believe!