Every year in July, my bank account suddenly goes wonky as a few annual fees hit it. (One, for hosting a web site, and the other for Amazon Prime membership.) I'm barely able to recover before I'm charged my water bill (about $250 every three months) and have to pony up my portion of the Hood-to-Coast costs (my team of mamas and papas and I run a race, and vacation at the beach afterwards, every August). What a great way to spend my summer, juggling bills.

Next summer I have a better way thanks to the brilliant concept of the "personal escrow account." Much like a mortgage escrow account -- in which the bank collects a few hundred dollars a month in order to pay the annual costs of property insurance and taxes -- to run a personal escrow account, you'd estimate the annual or semi-annual bills you pay, divide them into a monthly amount, which you'd then set aside each month. Charlotte, who wrote to the excellent personal finance blog Get Rich Slowly, keeps her money in a separate bank account in order to keep it "safe" from her other expenses.

A deal this good only comes along once, maybe twice in a year! Its Victoria's Secret's semi annual sale. The savings that Victoria is offering during this heart raising sale was even good enough to make WalletPop's 25 deals worth waiting for earlier this year. The savings start today and are good on bras and panties as well as everything else Victoria is keeping a secret.

The standout savings of this deal are definitely the bras and panties which start at $12.99 and $3.99 respectively for the range of Victoria's Secret collections including Very Sexy, Body, Angels, and VS cotton to name a few. Many popular sizes go quick, as in order right now quick, so head over to Victoria's Secret's semi annual sale to pick yourself or your significant other something special. At these low prices, even a personal finance blogger agrees, this deal is worth opening up your wallet!

If the sale follows the same trend as it has in years past, you can pick up some good deals again when the bargains hit your local store in about a month.