your effort would never be wasting?

○レッツスピーク(3rd Fri)は月〜木の復習。
I set this money aside for Christmas.
It took me a whole year of scrimping and saving. ←scrimp/切りつめる
Most people would have just pocket it.　←pocket/懐に入れる
I with there was something we could you to repay you.　←repay/お返しをする
You started off griping and moaning.　←gripe=complain/こぼす(口)