The Debt-Free Christmas Planner — 21-Page Holiday Budget Guide + 12 Printables

✨ THIS YEAR, CHRISTMAS ENDS WITH A SMILE — NOT A CREDIT CARD STATEMENT.

Gifts, dinners, travel, decorations: in December every expense lands at once. The Debt-Free Christmas Planner gives you a simple 5-step method to decide how much to spend, spend it well, and start January with zero holiday debt.

🎄 What's Inside (21 pages)

• The 5-Envelope Christmas Budget method (with worked example)
• Smart gift strategy: the A-B-C tier system + Secret Santa script
• BONUS: 50 gift ideas under $20
• The savings calendar: when to buy (Black Friday included)
• Holiday feasts for less: cost-per-guest method, budget menu and 7-day leftover plan
• Travel & hosting tips
• 6 homemade gifts under $5
• 7 money traps to avoid
• The January reset + Christmas 2027 fund

🖨️ 12 Printables

• Christmas budget worksheet
• Gift list tracker
• Holiday meal planner & shopping list
• Holiday spending tracker
• 12-week Christmas countdown
• 30-day low-spend challenge
• 9 printable gift tags

⚡ How it Works

• Instant PDF download right after checkout.
• Print it (US Letter) or fill it in on your tablet with any PDF app.
• 60 minutes to set up, then 10 minutes every Sunday.

⚠️ PLEASE NOTE: This is an instant digital download. No physical product will be shipped. For personal use only. General information, not financial advice.