Holiday Spending Planner

Enjoy the holidays. Skip the January bill. One number for the whole season, decided calmly before you shop. This 9-page planner walks you through it step by step: - Your Holiday Number: split gifts, food, travel and extras, then check the total against money you can pay in full. - The gift list: every name gets a budget before it gets an idea, with a Bought box so nobody gets forgotten. - Food, hosting and travel: the hidden half of holiday spending, planned event by event. - The December tracker: one line a day showing what's left of your number. - The January check: did the season stay inside its number, and did any of it follow you into the new year? Also inside: 10 gift ideas that cost little and mean a lot, and two word-for-word scripts for suggesting a family gift limit and for saying no to one more event. 9 pages. Printable PDF (A4). Instant download. General education, not financial advice.