Christmas Sinking Fund
Save a little each month — show up to December debt-free.
Year
Total Goal
Set your goal, divide by the months left, and color in each month as you save. One Page
Total Goal
$
Months to Save
 
Monthly Amount
$
Per Paycheck
$
Christmas Budget by Category
CategoryBudgetSpent
Gifts — family & kids$$
Gifts — friends & coworkers$$
Wrapping, cards & stamps$$
Holiday food & baking$$
Travel & gas$$
Decorations$$
Teacher & host gifts$$
Tips & service workers$$
Charity & giving$$
Other$$
Total$$
Where I'm Keeping It
☐ Separate savings account   ☐ Budget app category   ☐ Cash envelope
Monthly Savings Tracker
Jan
$
Feb
$
Mar
$
Apr
$
May
$
Jun
$
Jul
$
Aug
$
Sep
$
Oct
$
Nov
$
Dec
$
Gift List
$
$
$
$
$
$
$
$
$
$
$
$
December comes every year — this time, let it find your Christmas money already saved.
Holiday Money-Saving Tips
  • Start early — saving $25/week from January covers a $1,000 Christmas.
  • Set a per-person gift limit and write it down before you shop.
  • Watch for sales in July and October, not just Black Friday.
  • Use cash or a single envelope so spending stays visible.
  • Homemade gifts and gift swaps cut costs without cutting joy.
Notes & Reminders
Free Printable — Print as many copies as you need 🌿 SpendWiseCents.com