Half of the year is gone and along with it the promises of saving money, paying off debt and changing shopping habits. Well, there's still time to make change. Many financial institutions offer Christmas Club accounts--similar to a savings account but you don't access the funds until October or November. You promised yourself you'd get started earlier--well now is the time to prepare. Start making your list of people you need to shop for and look for items now. Remember, it's the thought that counts but it's your wallet that matters!
Answer Book 2018
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