So, 
@donaldtoo , remember recently we were discussing credit card balances, etc. (especially after all the holiday shopping! 

 ), well I figured out last night that I'll have my holiday gifts paid off in January, versus February.  That's better than last year for me.  
 
Anyway, thought you'd find this amusing: this morning, I decided to get my act together for next year's Christmas shopping spree, by finally, opening up a Christmas Club account.  (I figured at least if I saved even half of what I projected I'd spend on gifts next year, I'd still be well ahead of the game.)  So I went to my savings bank and told the teller that I'd like to open up a Christmas Club account. 

  (MinnieM123 pats herself on the back . . .  

)  So, the teller then informs me that they don't have Christmas Club accounts anymore!! 
 
   
 
  Can you stand it??!!  After all these years I finally went to open up one of these accounts and they did away with them??!!
D