If you felt a little financially unprepared last Christmas and want to be more organised for next Christmas, you need to plan ahead.

With a Community First Christmas Cracker account, you can save for Christmas regularly throughout the year. You can even arrange to have part of your salary paid directly in to your Christmas Cracker account to make sure you save before you spend. You'll be pleasantly surprised how much extra you'll have to spend at Christmas, which will help make your Christmas a more enjoyable one.

Accessing your money

Your money will be ready for you to withdraw between November 1 and January 31 each year - for Christmas celebrations, gifts, holidays, anything you like.