Last week was special for me. I got mail, real USPS delivered mail that wasn’t addressed to “occupant,” wasn’t a bill, and didn’t include a detailed accounting of all medical procedures from the previous month. Oh, and it wasn’t a Christmas card either although we’re getting to that time when all the businesses I deal with send their cards out. After those come the cards from real people. But I digress. But that’s not unusual.

So, back to my tale, the mail came and therein was an envelope and within was a check. Not a bill. A check! Somebody was giving me money! It wasn’t a lot but it was mine. Coming to me. Income, not outlay. I felt so special. I practically beamed!

Now to be perfectly honest, this wasn’t anything unheard of. It happened before. In fact, it usually happens about once a year. The check in question was a disbursement from my insurance company. (Home and auto, not health or life. Those guys never give anything back. Well, technically life insurance does, but it’s usually too late to be much use.) Usually around this time each year I get a little check from the insurance company that reflects something they saved because they had fewer claims than they expected or some such thing. I don’t understand. I just spend. It’s like a Christmas Club.

Ah ha! Now we get to the heart of this post. Christmas Clubs. Do they even still exist. Those of you under 40 may have to find an even older adult to explain Christmas Clubs, right along with Broken Records. To be fair to the financial institutions of America, most credit unions still offer Christmas Clubs although Vacation Clubs are by far more popular. But neither have the favor they did before the credit card explosion of the early 1970s.

So when I opened the mail that day last week and pulled out that little check, my first thought was, “Wow, just like a Christmas Club.” My second thought was, “Wow, just like a Christmas Club.” My third thought was, “Okay, now you’re sounding like a broken record.”

And then I went out and spent.