Christmas Budget Planner Spreadsheet — Gift List, Budget Tracker & Holiday Savings Plan (Excel + Google Sheets)

🎄 Know exactly what Christmas costs BEFORE December does. Gift list with 30 rows (category + status dropdowns, auto variance math), budget summary with over-budget flags, and a weekly savings plan that counts down to Christmas. WHAT'S INCLUDED: Gift List — 30 rows, dropdowns, variance auto-calc. Budget Summary — per-category totals, over-budget flags. Savings Plan — weekly targets from now to Christmas. Instructions tab — up and running in 10 minutes. Works in Microsoft Excel (2016+) and Google Sheets. ⚡ Instant download. No physical product ships. Personal use license. 👀 More money tools: https://payhip.com/b/AUfF5 (Money OS Bundle — save $11)