Debt-Free Christmas Planner: Holiday Budget + Gift List Workbook (PDF)

Description

Christmas, paid for before it gets here. Fifteen minutes at a time.

For the mom who has charged Christmas before and spent till spring paying it off.

I know that January feeling. The tree’s down, the kids are back in school, and the card statement shows up holding everything you meant to keep small. I’ve been there. For years I put Christmas on plastic and finished paying it off just in time to start the whole ride over again.

What finally broke that loop wasn’t willpower. It was a plan on paper, made early, with a number for every part of the season. Once Christmas had its own budget and its own fund, the dread went away, and I got the joy of it back.

This is that plan. It’s a 27-page workbook you can print or type into, plus a small app that does the math for you. It’s not a course and it’s not a lecture. It’s fifteen minutes tonight to set your Christmas number, then a few short sittings to fill it in.

What’s inside

• A beginner-friendly monthly budget, so you know what Christmas can really be, without guessing
• Your Christmas budget by category: gifts, food, decorations, cards, the party and travel, each with last year · this year’s plan · what you actually spent
• A gift list by person: who, what, where to buy it, and what it cost
• Three shopping plans, so you walk into the store (or the sale) with a list and a price beside every line
• Five short reflection pages: making the budget, sticking to it, saving, the impulse buys, and tracking what you spend
• The app: your Christmas budget totals itself, the gift list feeds the gifts line, and it counts the weeks to Christmas and tells you the weekly number to set aside

Good to know

• Instant download. Nothing ships.
• US Letter size. Print at home, at the library or at any print shop, or skip the printer and type into the fillable PDF.
• Comes as a printable PDF, a fillable PDF and the app, one price for all three. Your Start Here page carries the app link.
• Because it’s a digital download, all sales are final. Having trouble downloading? Email me at [email protected] and I’ll get you sorted.

Quick questions

When do I get it? The moment you check out. The download links show on your order confirmation page and land in your email.

What do I need to open it? Any free PDF reader. To type into the fillable version, use the free Adobe Acrobat Reader. The app needs nothing but your phone’s browser.

Can I use it again next year? Yes. It’s yours to keep: print as many copies as your own family needs, this year and every year after.

Want the whole season in one place? The Homefire Holiday Season Planner covers Thanksgiving through New Year’s in one place: one season number, every name on your gift list, the November and December calendar, and who brings what to the table. It’s $17 for the whole season. Just want a number first? The free Holiday Budget Calculator gives you your weekly savings goal in two minutes.

Start where you are, with what you already know. Keep tending the fire, y’all.