Creating a Fun Money Account

If you want to save for a few months and buy something expensive, great. You can do that guilt free. The second fun account is if you have kids, especially create an account to save for Christmas. Figure out how much you're going to spend on Christmas. Let's just say it's $600 and put $50 a month in that account. It can be an automatic transfer. And boom, when Christmas rolls around, you have $600 in your account. Magical. Absolutely magical.