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I have some techniques you may want to consider:

Your local bank's Holiday Club (Some call it a christmas club)

I have $10 per week taken out and in November will have approx $500 for Christmas presents! This is a completely painless way to save and comes in handy at a financially taxing time of year for all of us.

You might also want to consider (although this is sure to create some discussion) increasing the amount withheld from your paycheck. You readjust your budget very quickly, and then when you file your taxes in Feb, get a nice check. No it doesnt include any interest you would have generated, but its a simple way to save.

It sounds like you have MANY MANY things on your mind, so I offer these as simple ways to save while you are getting yourself together after a tough time. I cant offer you any other advice, but my best wishes go out to you and I hope everything turns out for the best.



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