I know how you feel...I am pretty much bin the same boat. However if you can deposit $20 a week straight from you paycheck into a Christmas club account you will have $1040 after a full 52 weeks of deposits. I do this now and never miss the money for my other bills. I get this given back to me in October, take $300 out to give to my grown kids for Christmas, and redeposit the rest back into the club account so I cannot touch it. After just 2 years of this I have $1400 saved.
