In this cash stuffing update, I’m saving for Christmas early (yes, for Christmas 2026) using a bunch of fun savings challenges to keep me motivated. My overall Christmas goal is $2,400 to cover gifts for everyone we shop for, giving money, miscellaneous expenses, extra food, and all the cozy Christmas activities. For this stuffing session, I’m working with $240 in 20s, 10s, 5s, and 1s, and I’m spreading it across my binders based on what the challenges pull. I start in my $500 savings binder where each envelope is a surprise scratch-off amount, and I do two envelopes at a time to steadily work through it. Then I move into my Christmas randomizer binder with folders 1–12 that match my Budget with Carly randomizer cards, plus a couple “dealer’s choice” cards. I also make sure to clean up an IOU from last time (I owed $2), and later I create a new IOU when I come up short by $3 on a light bulb coloring challenge. Along the way, I’m swapping bills to keep my change flowing, and I’m really happy with the progress—this binder is getting so thick I can’t even close it, which is honestly a great problem to have.