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。

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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.

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。

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Members of the Berlin Seals (Berliner Seehunde) swimming club take a dip in icy Orankesee lake during their traditional Christmas Day ice swim on December 25, 2010 in Berlin, Germany.

2010年12月25日，德国柏林的“柏林海豹”游泳俱乐部的成员浸在冰冻的Orankesee湖内，这是他们的圣诞日传统活动。

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One time, Frank and Joe signed up for the Christmas Club at Bank of America.

CNN: Excerpt: 'Joe DiMaggio: The Hero's Life'

The Christmas Club account was, on the surface, a bizarre idea: You gave the bank money every month.

FORBES: Magazine Article

And yet Americans happily put their money into Christmas Club accounts, even though that same money in a savings account would have earned them interest.

FORBES: Bitter Money And Christmas Clubs