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Setting and Sticking to a Christmas Budget

Setting and Sticking to a Christmas Budget

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Holiday shopping season is upon us.  Sales upon sales and beautiful glossy ads are everywhere.  Every toy, houseware, sweater, and gadget seems to be the perfect gift for someone on my list, and hey it’s on sale too!

This time of year can be detrimental to my wallet.  I have gotten caught up in the moment and bought too much because the deal was too good to pass up.  Even though I had multiple gifts for my Mom or daughter I either momentarily forgot about those gifts or felt she “needed” to have this amazing product.

Several years ago I came up with a plan.  I needed to have a budget and clear gift ideas for each person on my list before I ventured out shopping.

Thrifty Creative Living: Setting and sticking to a Christmas budget

I have a spreadsheet, now in Google Sheets, with tabs back to 2008.  Each year I list everyone I will be buying a gift for.  This includes teachers, co-workers, family and friends.  Next to each person are a number of blank cells for gift ideas along with a budget.  I highlight my total budget in big bold numbers at the top of the sheet.

Before I ever set foot in a store or open up Amazon I start brainstorming gift ideas.  I reference back to earlier years and look at what I purchased and what other ideas I had for each person.

Once I have a couple of ideas in mind I start shopping.  If I’m in a brick and mortar store I can easily pull up my Google Sheet for reference, it’s accessible anywhere.  This sure beats carrying around a piece of paper.  When the gift is bought and wrapped I highlight it and note the actual price.

At this point it becomes a game or sorts, I have a roll up of actual money spent right next to my budget amount.  Can I come in under this year while still giving fabulous gifts?  I love the suspense.

At the very bottom of the sheet I have columns for each family member.  Here I list our Christmas wishes.  For the kids especially I list everything I can think of along with their wants then highlight it when I mention it to an inquiring relative. It helps me figure out what to buy so they are not receiving 10 of the same type of item.

{I budget for my children as well.  How much and what we typically give is for another post.}

I want to share my simple tracking sheet with you, feel free to download it below.  Just add names to the left column, gift ideas in the middle, and your budget and actual amounts to the right.  I have one example row listed for you, feel free to cut it or use my gift ideas for Mom :)

Download spreadsheet here <<<

This will open a view only Google Sheet.  Open it in your browser then save it as your own file. Once saved you will be able to edit it.

Thrifty Creative Living: Reign in your Christmas spending with a free budget and tracking sheet

I hope this helps you as much as it has helped me.  Simple planning and a little self-control go a long way during the holiday season.  Your wallet will thank you come January.

How do you reign in Christmas spending?

Thanks for visiting!

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