计划好已知将要花费的(比如：圣诞俱乐部，季度保险账单，个人财产税金，等等)，为这些事项有规律的做好储蓄。
Plan for known upcoming expenditures (think: Christmas Club, quarterly insurance payments, personal property taxes, etc), by making regular deposits into an account for these items.
许多家庭储蓄了一整年用于在圣诞节买一头牛，所以突然间，乡村的几乎每个院落都出现了多得荒谬的牛肉。
Many families saved all year to buy a cow at Christmas, so there was suddenly a preposterous amount of beef in almost every compound in the village.
据美国运通消费与储蓄追踪首个年度报告称，四分之一的消费者将在圣诞节当周进行大采购，包括圣诞前夕这一天。
One-fourth of consumers will be shopping the week leading into Christmas,including Christmas Eve, according to the first annual American ExpressSpending and Saving Tracker research report.
圣诞饰品交换：这是交换礼物的又一个好办法，这样人人都会有一个在新的一年里用来储蓄的饰品。
Christmas ornament exchange: This is another great idea for a gift exchange. Everyone will then have an ornament to save for the years to come.
如果我们想要一个新沙发，或者在湖边的小屋里过上一周，我们就为此攒些钱。银行则会提供特别的圣诞购物储蓄账户和度假储蓄账户帮我们渡过难关。
If we wanted a new sofa or a week at a lakeside cabin, we saved up for it, and the Banks helped us out by providing special Christmas Club and Vacation Club accounts.
如果我们想要一个新沙发，或者在湖边的小屋里过上一周，我们就为此攒些钱。银行则会提供特别的圣诞购物储蓄账户和度假储蓄账户帮我们渡过难关。
If we wanted a new sofa or a week at a lakeside cabin, we saved up for it, and the Banks helped us out by providing special Christmas Club and Vacation Club accounts.
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