UK Christmas & January Money Planner

Plan Christmas without wrecking January.

December pay often arrives early, Christmas costs pile up, and then January brings a long wait for payday with the same bills to pay. This planner puts both months side by side so you can see the whole picture before you spend.

What's included:

• Christmas budget: gifts, food and drink, travel, decorations, going out, cards and postage and more, with budget, spent and what's left, and a flag when anything goes over
• Gift tracker: person, gift idea, budget, spent, and bought, wrapped and sent or given to tick off. Totals feed into the Christmas budget
• December and January: money coming in and going out, planned and actual, with what's left over
• The gap to payday: enter your balance and dates to see what you've got per day and per week after the bills
• January bills: rent, council tax, energy, credit cards, buy now pay later and Self Assessment, with due dates and which land before payday
• Cutting back: see the saving each month and over a year
• Next Christmas: savings goals, with how much to put away each month and each week
• An Overview tab with all the key numbers on one page

Comes with example figures filled in so you can see how it works. A red banner shows until you delete them.

Works in Google Sheets and Excel. No macros. Your figures stay on your own device or Drive.

A guide only, not financial advice. If you're struggling with bills or debt, get free, confidential help from MoneyHelper, StepChange or Citizens Advice (in Jersey, Citizens Advice Jersey).

Made in Jersey by Virtually Stored.