Description
January’s credit card statement is written in November and December. This planner writes it on purpose: every person, every category, a savings countdown, and a deal tracker that keeps Black Friday honest.
Inside the template — tab by tab
- Start Here — two-minute setup for Excel or Google Sheets.
- Gift List — 30 people with relationship, budget, ideas, spent, wrapped ✓ and left-to-spend math. Overspending a person turns red instantly.
- Holiday Budget — the gifts row fills itself from your list; food & hosting, travel, decor, cards, charity and misc get named before they get spent.
- Countdown Savings — split your season total into 8 biweekly deposits with dates; start in August and December arrives funded.
- Deal Tracker — 25 rows of regular vs deal price, tied to your gift list with a real you-saved total.
Why it works
A deal only saves money if the item was already on the list, and a gift budget only works if it’s set before the ideas. This file enforces both — kindly.
The details
- Format: Excel (.xlsx) — imports into free Google Sheets in two clicks (step-by-step instructions included)
- In your download: the spreadsheet, a Quick-Start PDF, a README and the personal-use license
- Delivery: instant download after checkout plus an email link — unlimited re-downloads, links never expire
- Works on: Excel 2016 or newer (Windows & Mac), Excel for the web, and Google Sheets. No macros, nothing to install.
- One rule: type only in white cells — green-tinted cells calculate themselves
- Guarantee: 30-day fix-or-refund. Reply to your order email; a human answers within 24 hours.
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