I do a Christmas Club account at my bank every year. I put in a small amount every week and around Halloween they mail me my check.

I haven't felt the need to downsize it any since the $15 a week isn't a problem at this point. Totalling a check of $750 that covers gifts for my husband, my mom, my dad, my coworkers, my cats, and anyone else I end up getting a gift for plus at least one dinner out for me, hubby and my mom which is a tradition on our first big shopping outing of the season.