Debt-Free Holiday Budget & Gift Planner

Plan the whole holiday season around a number you can pay in cash: gift budgets by person and group, the hidden costs of hosting and travel, Black Friday target prices, a weekly savings calculator and a January payoff list.

What's inside the PDF (12 chapters): How to Use This Planner; Step 1: Set Your Number First; Step 2: Weekly Savings Math; Step 3: Build the Gift List; Step 4: The Costs That Aren't Gifts; Step 5: Black Friday and Cyber Monday Without Regret; Step 6: Cards, Buy Now Pay Later and Store Offers; Step 7: Teachers, Coaches and Service Providers; Step 8: Shopping Week by Week; Step 9: Track, Wrap and Return; Step 10: The January Reset; Notes.

Companion spreadsheet (.xlsx) tabs: Instructions, Settings, Gift List, Summary, Other Costs, Price Watch, January Payoff. Calculated automatically: Over / Under, Done? plus summary KPIs and a chart. Includes an Instructions tab, drop-down lists, yellow input cells and example rows labeled EXAMPLE so you can delete them and start. Works in Excel, Google Sheets and LibreOffice.

Instant digital download - nothing is shipped. Planning tool and general education - not financial, tax or investment advice.

Created with AI assistance and reviewed by the seller.