Why experts say you should already start saving for next Christm - WGEM.com: Quincy News, Weather, Sports, and Radio

Are you overloaded with credit card debt after buying Christmas gifts?? Well, you may be able to avoid being in that dilemma next year.

Bankers want to remind people to start thinking about opening Christmas savings accounts starting as early as January.

Christmas Clubs allow people to put away money regularly into an account that they don't have access to until November.

Bankers say it is a good idea because you may forget about all the little things that add up during the holiday season.

"You think you have everything budgeted out. Just the little gifts or the Christmas cards, or even travel so it is a good idea to start thinking about a Christmas Club account in January, February," said Erica Sniders of State Street Bank and Trust in Quincy. 

Check with your bank to see what their stipulations are on how much and how often you have to make deposits into your account.