NaBloPoMo: Genius Idea Friday

Since I made such a splash with last week's genius idea, I thought I'd give it another whirl. So here goes: a Christmas savings account. I know, I know- it's not that sexy or exciting. BUT it will make your holidays less stressful, will make gift-giving easier, and will clear up oily skin. How's THAT for a pitch? A few years ago, John and I started an ING savings account. We get a much better interest rate (4.2% when last I checked), and it's less likely that we'll fall off the wagon and dip into the money for, oh I don't know, bamboo floors. We put a certain amount of money in every month and the money we save (plus the kickin' interest deposits we get) goes to cover not only all of our Christmas gifts, but also our Christmas tickets home and the cost of boarding the animals while we're away. Cool, huh? Go get one yourself!