I know it's incredibly early to think about next Christmas, but I did this weekend. I spent a lot of money on presents and also apartment things and I realized I didn't prepare for these cash outflows. I'm still not done with Christmas shopping and hopefully I'll find some deals online.
So my plan for Christmas 2006: ING lets you separate your account into different sub-accounts. For instance, some people have a vacation account within their savings account. This makes it easier to plan things out. Starting in January I'm going to set up a Christmas account in my ING account. Then I'm going to set up a weekly transfer of $10/week to this account. By the end of the year I'll have over $520 (because of interest) ready for the holidays. I know some work places have these types of accounts set up where it will take a little money out of your paycheck. It's worth looking into because they you will be a little more prepared for the end of the year.
I also added a new blog: Market Rider
Also, for some reason my blog template is not working correctly. I might change things later, and possibly move the blog.