When we get the extra checks throughout the year (when there's 5 Fridays instead of 4), I write ahead for bills. When November comes, I don't have to pay any regular bills. Only medical bills and groceries usually. All the other bills will be paid up to December from the extra checks. That's how we save for Christmas. Plus buying things throughout the year on clearance etc. Sent from my LGLS990 using GottaDeal mobile app