You know how much kids love Christmas! It seems like money set aside for Christmas each year disappears before the sleigh bells ring.
For me, a no-fuss way to save money for the Christmas season is to calculate the annual total of one or two of last year’s monthly bills (e.g., electricity $1800 and phone $800). Then, instead of dividing those annual totals by 12, divide by 10 and pay that amount monthly on those accounts through year ahead (e.g., electricity $180 and phone $80).
By November, you will have enough credit on those accounts to skip a payment and use the funds to enjoy the holiday instead—and maybe even some relief in January!