I’m : a web and mobile developer based in the Manning Valley, Australia.

Christmas "Savings" Club

The joys of daytime TV and being off work sick! Scoot on over to and see the latest craze - a "Christmas Savings Club". Is this something that is just very British or do we get it elsewhere in the world?

In essence you send them some money every month and they keep in in their bank account, earning interest on YOUR money, and when it comes around to December they send you vouchers for use with popular High Street stores. So tell me again why people cannot manage their money properly? It really is not that hard to do and should come as common sense to people.

If the only way that you can save is to send money off to some company then you've most certainly got issues. You do know you could do this yourself and profit from the interest right?

Perhaps there's something that I'm just not getting? Anyone care to shed some light on this?