We have a basic old savings account - which had a whopping $25 in it. It just came with the territory when we opened up our checking account and money market account years and years ago. It's just been sitting there. So this new year, I have decided that I will put $50 in it every month. Usually around the 1st when I'm paying bills. So it's up to $125 already! Woohoo! If I am good about doing my monthly deposit, come Christmas, we'll have a chunky $625 that we can withdraw at the ATM to buy gifts. I have to admit though, I don't think we've ever come close to spending that much on gifts.
This goes against my "Credit Card Reward" obsession, but that's okay. The past 7 years I've had to hear it from my husband that it's not fair that I can look at the credit card statements online to see what stores he's been shopping at for me. I don't even think he knows what credit cards we have - Other than the "one to use" and the one "in case of emergencies". Poor guy.
I've never really done this before but I'm hoping the lack of a huge credit card balance spike in December and January provides a less stressful holiday for me. I'll report my findings next year!