Peace at Christmas can be hard to find in December. The cleaning, baking, wrapping presents, hosting parties, can make the season bright but not so merry after a while. It’s built, week by week, long before the tree goes up.
My last post I covered how to save for Christmas. Weekly, consistently, slow and steady wins the race. When I put $25.00 aside each week after 52 weeks that’s $1300. And while that may not seem like a lot in 2026, it will be $1300 more than you had. You might be thinking I need that money before the end of 52 weeks. I gotcha. This really pays off the second year and well, you have to start somewhere, right? Start saving now so you can get a jump start on Christmas shopping. I like to start in October, thinking, planning, asking my family to start thinking about what they want for Christmas (Side note: Amazon Prime has lists that can be shared, just sayin’).
Now that you have decided how much you are putting aside, where are you putting it? At the time I started doing this, I had a AmEx Bluebird card. AmEx has since discontinued that. It was very convenient, I was able to schedule the transaction every week and didn’t have to think about it. There are other ways to sock away money. You could do good old fashioned cash, that takes a lot of discipline and it still works. Opening up a dedicated checking/savings account at your bank or another bank is option. Having an account from another bank might help keep them separate. Having a separate bank account will allow you to schedule transactions so you won’t have to think about it.
There are other options such as prepaid debit card like the discontinued AmEx Bluebird card such as CashApp, PayPal, and Venmo. PayPal and Venmo have auto transfer features. Check them out see which one fits your needs.
All righty then. It’s now the first week in October and you see something for Christmas for someone. At this point you should about $975, still more than you had to begin with and you got to start somewhere. However, if you have automatic transfers, the money will still be going in and adding to the total.
“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Proverbs 21:5
The first year I did this I was working full time in a hospital. I realized I was visiting the vending machines waaaay too much. I didn’t stop completely feeding the vending machines, but I did become more conscious of where the money was going. After budgeting the money I would take $8 or $10 and allow myself to visit the vending machines once in a while or if the cafeteria was closed. Any money at the end of the week I would put in a piggy bank. I started this at the beginning of the second year. By October, I had over $300!!!! And yes, we still pay with cash when we can so any stray dollars or coins we have laying around it’s gets stashed away.
It was nice to have the money to pay for shipping packages, buy baking goods, decorations, Christmas cards or last minute gifts for someone. And whatever was left over in the Christmas account was rolled over to next year.
There was more peace at Christmas not having to worry about spending money. We even had money to donate to the Salvation Army if we happened to walk by one of their kettles, we had money to buy a gift for the Angel Tree and fill shoeboxes for Samaritan’s Purse. It is far better to give than to receive. Peace is built up week by week, way before the tree and the decorations are put up.
Sometimes peace can look like abundance in December.
The Kedge Anchor 
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