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Money // Not This Already!
I'm one of those people who gets annoyed when stores start playing Christmas music in October or put up decorations as early as September. Honestly, it feels like Christmas is being shoved down our throats way before it's supposed to happen. I mean, I get it—retailers want to maximize profits, but sometimes I wish they'd give people a break and let them savor the other holidays first.
But hey, let's not get off track here. The reason I'm writing this isn't to rant about premature Christmas cheer—it's to talk about something much more practical: creating a Christmas budget. Yes, I know the word "budget" might sound intimidating to some, but trust me, once you embrace it, it can actually feel empowering. Crazy, right?
Let me tell you something—I have a detailed Christmas budget saved on my computer. It’s color-coded and everything! There are columns for each person we plan to buy for, along with the amount we intend to spend. And yes, there’s a "Total" column that always gives me pause when I look at it. But you know what? My husband and I stick to it. Every January, we sit down together and map out who we'll need to shop for during the upcoming holiday season. This helps us figure out exactly how much we need to save up month by month leading up to December.
The thing is, Christmas isn't exactly unpredictable. It happens on the same date every single year—December 25th. So why do so many of us act surprised when it rolls around? Most of the time, it seems like we just wing it when it comes to gift shopping, without giving much thought to the overall cost. It’s almost like we don’t want to face reality head-on. Out of sight, out of mind, right? But that approach can lead to overspending, which nobody wants—not you, not me, and definitely not your loved ones.
I genuinely enjoy purchasing presents for others, but I believe it should be done responsibly. No one should feel pressured to take on unnecessary debt just to make someone else happy. And honestly, I’m pretty confident that the people in my life feel the same way.
If you're looking to create your own Christmas budget but haven’t gotten around to it yet, I’ve got good news for you. I’ve put together a simple template that you can download and customize to fit your needs. It’s similar to the one I use, except this version looks even better. Sure, seeing the final total might sting a bit, but trust me—it’s nothing compared to the shock of realizing you've gone overboard after the fact.
To download the Fresh Mommy Blog Christmas Budget, simply click the “Download†button in the top-left corner. Easy peasy! If you're not familiar with Excel, don't worry—I’ve also included a link to a Google Docs version of the budget. Just reach out if you run into any issues while setting it up.
Oh, and here’s another tip: This budget is a fantastic opportunity to address potential financial challenges within your household. For instance, if you're worried about stretching your budget thin, consider suggesting a Secret Santa gift exchange or a White Elephant party with your extended family. That way, everyone still gets to participate without breaking the bank.
Time is ticking—only 67 days remain until Christmas Eve! If you haven’t already, now’s the perfect moment to take control of your holiday spending.
P.S. Need a little extra help managing your finances beyond Christmas? Let me know, and I’ll share some additional tips and resources. You’ve got this!
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There you go! A revised version that flows naturally and adds a touch more personality while keeping the original message intact. Let me know if you'd like further tweaks or expansions!