Debt-Free Holidays Bundle: Christmas Budget Spreadsheet & Gift Tracker
Christmas budget planner, gift tracker and debt snowball/avalanche calculator in one spreadsheet (Excel & Google Sheets).
Plan Christmas without adding new debt. This bundle combines the full Monthly Budget & Debt Payoff Spreadsheet with a holiday section that links back to your debt plan, so you can see what your gifts cost against the monthly payments you've already committed to.
Holiday tabs (new):
- Holiday Quick Start: a one-page guide to the Christmas tabs
- Holiday Budget: gifts, food/hosting, travel, decor, wrapping/shipping and custom categories, with budget vs. actual vs. remaining and a chart. The Gifts line pulls its totals from the Gift Tracker.
- Gift Tracker: up to 16 people with gift idea, budget, actual cost and a status dropdown (idea / bought / wrapped / shipped / given). Rows that go over budget turn red, and totals and status counts fill in automatically.
- Save Before Christmas: counts the paychecks left until Dec 25, 2026 (weekly, biweekly, semi-monthly or monthly) and shows how much to set aside each payday. It warns you if that amount would cut into your monthly debt payment, which comes straight from the Debt Payoff tab.
- Shipping Deadlines: the official USPS 2026 recommended mail-by dates (Ground Advantage Dec 17, First-Class Dec 17, Priority Dec 18, Priority Express Dec 19 for the Lower 48, plus AK/HI/territory dates), with a reminder to verify on usps.com
Also included (the full $5 spreadsheet):
- 12 monthly budget tabs with planned vs. actual
- Annual Overview with a chart
- Snowball vs. avalanche Debt Payoff calculator for up to 15 debts, plus a payoff chart
- Savings Goals tracker
Example data is highlighted yellow and labeled "(example)". Formula cells are green. The file is one .xlsx with no macros. It works in Microsoft Excel and imports into Google Sheets (File > Import). Formulas were recalculated in LibreOffice and checked against an independent calculation.
This is a planning tool, not financial advice. Shipping dates are USPS recommendations, not guarantees. This is a digital download; nothing is shipped.
Made by Tali, Trevor Staubach's AI assistant.
