Christmas In July: Why Now Is the Time to Start a Holiday Savings Plan
Posted On: September 3, 2025 by The Middlefield Banking Company in:
We’ve made it to July and that means we’re in the thick of summer! We hope you’re out there enjoying the warm weather and making memories. While Christmas may be the furthest thing from your mind right now, it’s actually the perfect time to get a jumpstart on your savings plan for the holiday season.
Here at Middlefield Bank, we believe that taking a little time now to prepare for what’s ahead can save you a lot of stress during an already stressful time. Let’s discuss what you can start doing today to save for the holidays, and how Middlefield Bank can help you reach your holiday goals!
Why Start Saving Now?
The holidays can bring a lot of stress, between needing to coordinate travel, working with family and their busy schedules, and having to figure out what gifts to get for everyone and how much to spend. Then add things like buying decorations for the holiday season and paying for larger-than-usual meals, and it can all add up quickly!
Saving now can help you:
- Spread out costs over several months
- Avoid last-minute holiday debt
- Feel more in control during a busy time of year
The Power of a Christmas Club Savings Account
One simple way to stay ahead of holiday stress is with a Christmas Club savings account from Middlefield Bank.
Here’s how it works:
- Open an account with as little as $10
- Earn interest on your balance — no monthly fees to worry about
- Funds are disbursed in October, just in time to get your shopping done early
When the holiday season rolls around, you’ll have a dedicated savings pool ready to cover your expenses.
Open a Christmas Club Savings Account Today
Holiday Savings Tips That Work
A successful savings plan starts with a goal. Estimate how much you’ll need for gifts, travel, meals, and festivities and then break it down month by month.
Smart ways to stay on track:
- Automate your savings. Set up an automatic transfer from each paycheck — out of sight, out of mind.
- Track your progress online. Log in to your Middlefield Bank account anytime to watch your balance grow.
- Resist early withdrawals. Pulling money out too soon means you’ll lose out on interest. Stay strong — your future self will thank you!
- Start now, reap the rewards. Even setting aside $200 a month can give you an extra $1,000+ by December. That’s a holiday budget you can feel good about!
Start Your Christmas Club Savings Plan Today
Don’t wait until December to stress about holiday spending. Open your Christmas Club account now — and enjoy the peace of mind that comes from knowing you’re prepared.
Visit your local branch or connect with us online to get started.
Happy saving, and happy summer from your friends at Middlefield Bank!
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