One thing I would like the club to do, which I've said OVER and OVER is get involved with one of the local building societies and create a Blades Savings Account, encouraging responsible financial management in saving for games/season tickets instead of offering expensive credit options when the time comes round.
You could start with the young 'uns. When you join the Junior Blades, you get an account opened up in the JB's name and the Club would deposit a couple of quid or whatever. Then it's up to the JB and their family to grow the account and they can use it in any way they wish but if they have a Blades Savings Account book and withdraw their money to buy a season ticket (you'd get a receipt or something when withdrawing the cash) you'd get a nominal discount on the ST. Once they'd reached savings milestones, they'd get free tickets or whatever.
For adults, it'd be a monthly savings account whereby you commit to crediting the account each month with the same amount by standing order. The idea being that when March/April rolls around, you've got a stash of cash to use for your ST. And again, the Club could offer a small discount for doing it this way.