or something)! Depends on the bank and the account. CBelly replied to emma Wed 05 Sep 12 (04:06pm) Not sure how these work but I saw today an advert for the good old Christmas Club Accounts. Bascially if you go into a credit union and ask about their christmas accounts they will tell you what they offer. I checked the QPCU one (where I saw the advert) **I am not a customer** and they have high interest but you can only withdraw money from 1st November to 31st December. The rest of the year it is a locked down account (unless you can prove hardship). Interest is calculated daily and the expectancy is that you will deposit something each month. Thats all I know and if it suits you to start now but for next year withdrawal...go for it. Check them out. bobagorof replied to emma Thu 06 Sep 12 (12:27pm) Set up an online account with another bank, and link it to your regular account.  You can access the money if you really need to (within a day or so) but the balance doesn't appear while you are checking your regular account, so you're not tempted to spend it. Also great for starting saving, as you can set-and-forget a regular payment each pay cycle. Doesn't help if you decide to go and blow it all on a new BMW, but can stop you overspending on impulse buys at the shops or online, as the money isn't in your regular