For many Christmas Club schemes you’ve got just over 10 days left to put your money in.
What that means is that you can (for example) go into the warehouse and start an account today, and in a few weeks time get 5% discount.
Even better, if you time it right using your credit cared, you may only be paying for it when you use it.
However, I’ve discovered that most supermarkets look at you a bit strange if you start purchasing hundreds of dollars worth of vouchers at a time. 🙂