Every week when I grocery shop I write my check for $20 over the total. I put the $20 in an envelope to save for Christmas and don't tell anyone about it. I began last December and so far I have $550 saved for this Christmas!! (I had $50 left over from our Feb vacation, so I added it to this envelope). I just counted up 28 weeks until Christmas shopping; so 28 X $20 = $560, so that's $1110 to spend on Christmas this year!! We really don't miss the extra $20 per week this way, but the cash for shopping in Nov/Dec is wonderful. We have 3 teenage boys, so their gifts have gotten very expensive (ipods, game systems, etc). This way I can shop when I see great sales in November too. Just thought I'd share - this system really works well for me!