You know in your mind that your healthcare is more important than the new Wii under the tree, but irrational spending behavior has taken over and that HSA contribution just ain't happenin'.

Here's the good news; December 31st 2008 is not D-Day for your HSA contributions.  Although it is for getting the account set up if you want to get the tax benefits of it on your 2008 tax returns.

As an individual you may contribute $2,900 to your HSA for 2008 and as a family you may contribute $5,800 to your HSA.   However, if you can't make it before the end of the year you're not SOL because if you fund the account before April 15th 2009, you can still take the tax deduction on your 2008 returns.   So if your brain is in the spend mode as opposed to the save mode, you get a 100+ day grace period to put $s into your account and still get the full tax advantages of your contribution.  But in order to get the benefit, you MUST set up your HSA account set up before the end of this year.  It's holiday season, can you say grace?