I know I am.
I have started 3 sub savings accounts with ING Direct. They have three different purposes. One is for Christmas 2010, one is for Car expenses and repairs ( which includes my six month insurance renewal, registration, inspections, and oil changes) and an account to fund my summer in NYC. I eventually will add more money to Christmas Account and make it a Birthday/ Christmas Account.
As it stands I am contributing $50.00 every two weeks into each account for a total of $300 a month.
I am so not trying to use credit cards this year for anything (okay, I am putting wedding expenses on credit card, only because I'm paying international vendors).
until next time, think prosperous thoughts