The Homefire Debt-Free Christmas

A December that does not become a February bill.
The whole plan on one screen

Your Christmas fund

Your WHY — read it when the sales get loud
It is never too early to start. The earlier the plan, the smaller the weekly number.
Last year is the honest starting number

Christmas Budget Worksheet

Gifts pulls from the Gift Tracker automatically. The Estimate total is the fund target on the first tab.

Every name, before the store decides for you

Christmas Gift Tracker

The monthly budget's guest appearance

What can I cut? What can I reduce?

Decide what you are buying before the sales decide for you.