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RE: Its never to early to start saving for next Christmas. Wouldn't you want a free Christmas.
Thank you , Its such a relief to not have to think about paying it all back, its done now for next year and you don't really miss it :)
Yeah that makes sense. Set aside for a specific purpose helps you not tap into it for other reasons
Its worked for me for years, doing the odd survey and using a few money saving apps has worked well :)
That is simply awesome