The Little Savings Account That Could!
I start with my plan the first Friday every December. I take an envelope and put in $1, add $1 every Friday, and by the end of the following November, I have accumulated $1376!! This is enough to splurge on something fun and pay for Christmas without the credit card debt. It does get hard as the months go on putting the $$ in, but by that time I have made a commitment to save and that is my goal, so I finish it!!