Holiday gift budget 2026
Everyone on your list, a cap for each, and what you really spent.
Christmas on a budget
The holidays get expensive because they are paid for all at once. Plan this year’s gifts and costs with a firm budget, then start saving a little each month so next December is already covered.
Where to start
- Holiday gift budget 2026Everyone on your list, with a cap for each.
- No-spend January 2027 calendarA reset after the holidays.
- Christmas 2027 sinking fundSave monthly for next Christmas.
- Sinking funds trackerGifts, travel and other known costs.
- Annual expenses listEvery once-a-year cost, planned.
- Reverse 52-week savings challengeBig savings weeks early, easy weeks in December.
Budgets
Budgets
No-spend January 2027 calendar
Tick off each no-spend day and write your own rules.
Bills & sinking funds
Christmas 2027 sinking fund
Save a little every month so next December is already paid for.
Bills & sinking funds
Sinking funds tracker
Twelve funds on one page, with a box for every month.
Bills & sinking funds
Annual expenses list
Every once-a-year cost by month, and what to set aside each month.
Savings challenges
Reverse 52-week savings challenge
Start at $52 in January, end at $1 in December.
These printables are general planning tools, not financial advice. Read the full disclaimer.