The holidays may seem far away, but starting your holiday savings plan now can make the season brighter and less stressful.

Last-minute holiday spending often leads to overspending. By creating a budget early, you can spread expenses across several months instead of feeling pressure in December.

Start by estimating costs for gifts, travel, entertaining, decorations, and charitable giving. Then determine how much you’ll need to save each month to reach your goal.

A dedicated Holiday Club account can help keep those funds separate from your daily spending and make it easier to track your progress.

Small contributions today can help create a more joyful holiday season later.