The Christmas Fund Planner

December is not a surprise. It happens every year — and every January, the credit card statement proves nobody planned for it. This planner fixes that in one sitting.

List every person and every gift with a budget. Add the sneaky costs — food, travel, decor, hosting. The Fund Plan turns the total into a weekly set-aside amount and tracks whether you're on pace, week by week, all the way to a fully-funded Christmas.

WHAT'S INSIDE: Gift List with budgets, ideas and bought/wrapped tracking · The Other Costs (the stuff that ambushes every December) · Fund Plan with automatic weekly targets and on-track check-ins.

Works in Google Sheets (free) and Excel. Instant download. Pairs perfectly with The Payday Ritual System — run the weekly drip as a line in your Savings split.