Enjoy the holidays. Skip the January surprise.
Set one number, split it across gifts, food, travel, and everything else, and see exactly where you stand as you shop. If anything goes on a card, the January Payoff tab shows how long it will take to clear and what it will cost.
What is inside
- Budget tab with left to assign and left to spend totals
- Gift list with caps per person, status tracking, and over cap warnings
- Spending log for food, travel, decor, cards, shipping, and more
- Dashboard with planned versus actual chart
- January Payoff estimator with months, interest, and payoff month
- 4 page guide with five budgeting steps and a printable gift list
A look inside
Excel spreadsheet (works in Google Sheets and LibreOffice) plus a 4 page PDF.
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Good to know
This is a planning tool, not financial advice. Interest estimates are approximate and assume a fixed payment with no new charges.
Personal use license. Please do not resell or share the files. Instant digital download, nothing ships. If a file is broken or not as described, reply to your receipt and we will fix it or refund you.