Christmas is over, but not the bills for presents bought on credit. This reminds me of the old school Christmas Club Account. In case you don't remember or haven't heard of such a thing, you would make a weekly deposit into the account and withdraw it before Christmas to do your shopping. That way you would be able to pay cash for your presents and not go into debt.
Gram had a Christmas Club Account that she opened long before I was born. She would deposit $2 or $3 faithfully into it every week. That was a lot of money back then.
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