THE CHRISTMAS BUDGET CALCULATOR

The Solo Christmas Budget Calculator: Find Your Christmas Number Before You Shop

Most holiday budgets quietly break in December. This free printable worksheet helps you decide your Christmas number first, so the holidays never turn into a January bill.

You'll take your real income and expenses, find out what you can safely spend, and give every dollar a job. Then you'll set a maximum for every gift before you shop. No guessing, no guilt, and no credit card surprises.

What's inside (6 pages):

• Start Here: A personal note from Sikolo, a step-by-step overview, and a worked example.
• My Christmas Number: Gather your numbers and find your total Christmas budget in two simple steps.
• Every Dollar a Job: Split your number across food, travel, decorations, wrapping, events, giving, and gifts.
• My Gift List: Write a maximum for each person before you buy, plus five questions to ask before every purchase.
• Plan the Season: A holiday spending timeline with room to write your own dates.
• A January Reset note: A pointer to The Solo Budget Monthly Planner and Lower Your Grocery Bill Workbook for after the holidays.

Why you'll love it:

• Free, with no complicated math
• Easy to read, made for single-income households
• Built from the way Sikolo plans her own Christmas

When the money is gone, Christmas shopping is done.

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This is a printable PDF. Nothing is shipped, and nothing is filled in for you. This worksheet is for personal budgeting, not financial advice.