YOUR CHRISTMAS CLUB ACCOUNT: Did your parents extablish a Christmas Club savings account at the first of the year, so that by the time Christmas rolled around, they had money to buy gifts? Perhaps you even had (or have?!) one. While having such a savings account is a good idea, there is an even more important account to have. It is your spiritual savings account, which if you make regular deposits into it, will be available when you desire to make withdrawals.
