How to Save for Large Expenses

The DIY money book, Quintox about saving for expenses like Christmas by moving $200 each month into a separate savings account. Every time I get compensated into my checking account, I do three things immediately: log on to my church's website and give 10%. The second thing is I sweep over a monthly accrued amount divided by two because I get paid twice a month. It includes property taxes, annual insurance payments, which is auto and life and home and umbrella.