This article on nytimes.com was such a throwback for me. Did your parents have a Christmas Club account? Mine totally did, and now thanks to Toys ‘R Us I can have one, too.
In case you have no idea what I am talking about, the idea is simple: Toys ‘R Us gives you what is basically a gift card that you can put money on throughout the year. When Christmas rolls around, you can use your card to buy your children gifts. To sweeten the deal, Toys ‘R Us is even adding 3% interest to the balance on your card.
If you’re anything like me and have to be forced to save money, this is an awesome option. My daughter will be two this Christmas, which is just about old enough for her to realize what is going on. Last year, I only got her two things and she was ecstatic. I don’t think that’s going to fly this year, so I am getting myself a Christmas Saver Club membership today.
There are some scrooges out there who say it’s smarter to put the same money you’d put on this card in a bank account, but I’m going with Toys ‘R Us. This way, I have no choice but to spend it on my daughter. Here’s what I’ll be saving for:
My daughter just about has the alphabet down, so I plan on using this alphabet buddy ($15) to get her started with spelling.
My daughter is obsessed with Dora, so I’m sure this guitar ($20) will literally bring tears of joy to her eyes when she opens it.
What about you? Are you going to get the Toys ‘R Us card?
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