It’s always a good time to save for the holidays, and if you’ve heard of holiday savings accounts or Christmas Club accounts, you may have considered opening one. After all, the holidays can be expensive, so it’s a good idea to squirrel away a few extra dollars. Earmarking funds for the holidays can help you avoid dipping into your emergency savings or running up your credit card bills. Like most financial products, these accounts have their share of pros and cons. We’ll cover everything you need to know ...