Nothing like the beginning of summer to start thinking about the winter holidays. Toys ‘R Us is kicking off a program that’ll let consumers save some money months before the shopping season even starts. The Toys ‘R Us club lets you slowly build up up to $2,500 on a spending card, and then the company would tack on another 3 percent as a bonus.

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Of course, a lot can happen to us grown up kids between now and Christmas. Wonder if they make you sit in a corner for early withdrawal.