Holiday spending can be hard on the pocketbook--and bought on credit, "Christmas Day" can stretch into the new year for weeks or months. Ease the Christmas cash crunch with creative ways to save money for Christmas!

Financial institutions offer dedicated Christmas clubs for the disciplined, but savvy holiday planners have found other ways to accumulate cash for holiday spending.  Try these ideas to boost your holiday budget this year:

Do-It-Now Ways to Save Money for Christmas