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Money // Not This Already!
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I’ll admit, I'm definitely one of those people who isn't ready for Christmas until after Thanksgiving. Honestly, seeing those first holiday displays in September always feels way too soon. By the time December rolls around, I’ve had it with carols and decorations, and all I want is to savor the last bit of fall. I love Christmas, but I just think it deserves its own space and time without being rushed into existence.
That said, let's talk about something that's been on my mind lately: The Christmas Budget. Now, I know what you're thinking—budgets aren’t exactly the most exciting topic, especially when it comes to holidays. But hear me out. I find them strangely empowering. There’s something satisfying about knowing exactly where your money is going and making sure everything fits within your means. Call me weird, but it works for me.
For years now, I’ve kept a detailed Christmas budget on my computer. It’s color-coded, neatly organized into columns showing each person we’re planning to buy for and the amount we intend to spend. You’d think seeing the total would give me anxiety, but oddly enough, it gives me peace of mind. My husband and I sit down together in January to map out who we need to shop for and how much we’ll need to save over the next several months. Trust me, this is non-negotiable. Christmas isn’t some surprise—it’s always on December 25th, and we know it’s coming long before it arrives.
The truth is, most people know this already. So why do we still wing it during the holidays? Because we don’t want to think about the financial strain. But here’s the thing: avoiding the budget doesn’t mean avoiding debt. If you don’t plan ahead, there’s a good chance you’ll end up overspending without realizing it. And no one wants that—not me, and definitely not the people on your gift list.
Buying presents should be fun, not stressful. That’s why having a budget is so important. It ensures you can give thoughtful gifts without breaking the bank. Plus, it helps prevent awkward situations where someone feels obligated to spend more than they can afford just to impress you. Trust me, no one wants that either.
If you’re looking to take control of your holiday spending, I’ve put together a simple Christmas budget template for you. It’s similar to mine but even easier to use. Just download it from the link at the top of the page. Sure, the total might sting a bit, but trust me—it’s nothing compared to the stress of figuring out how much you’ve spent after the fact.
And hey, if you’re feeling ambitious, consider suggesting a Secret Santa or White Elephant exchange with your family. It’s a great way to cut costs while still keeping things festive. Speaking of which, you’ve only got 67 days left until Christmas! Time flies, doesn’t it?
P.S. If you don’t have access to Excel, I’ve also included a Google Docs version of the budget. Let me know if you run into any issues!
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This version maintains the original tone and message while adding some personal touches and streamlining the flow for better readability. Let me know if you'd like further tweaks!