How To Plan Your Christmas Spending Budget | Giftster

Even though Christmas is on the same day every year it always finds a way of sneaking up on me when life gets busy. Which, let’s face it, seems to be quite often.

November and December are always high spending months for our family. Because of this, we decided we needed to create a savings account specifically for Christmas to help us prepare.

We’ve done this since our daughter was born and have made adjustments depending on how our overall budget was looking and what else was a high priority that year.

So how exactly do you go about creating a budget?

Here are a few things to consider…

How To Create Your Christmas Budget

In my family, we use Google Sheets to track our budget, so both my husband and I have access to it. We update it throughout the year, as life throws us curve balls.

To determine how much you need to save consider doing the following:

  1. Gifts: List each family/friend you plan on spending money on and how much.
  2. Travel: Add in a travel budget for things like hotel stays, dining out, and transportation costs.
  3. Food/Drinks: Don’t forget to consider a special food budget for extras like holiday baking, turkey, seafood, and special wine/spirits.
  4. Deals/Regular Shopping: There are always really good deals this time of year. Consider any additional items you might need to purchase and take advantage of any Black Friday or end-of-the-year discounts to stretch your budget even further.

Add everything up and then divide by the number of months left before you typically start your holiday shopping. Adjust accordingly based on what you can realistically save every month.

Setup Multiple Savings Accounts

We keep separate savings accounts for holiday spending, travel, emergencies, home updates, etc. If you have money allotted for specific purposes vs. a single savings account it can make it easier at a glance to stick to a budget.

Schedule Automatic Deposits

Another tip, if you can set it up with your bank, is to schedule automatic savings deposits. The old saying “out of sight, out of mind” rings true here. If you don’t see it sitting in your everyday checking account you’ll be less likely to want to spend it.

Once October/November rolls around you’ll have the money set aside. One less stressor during a busy time of the year for many.

How To Stick To Your Budget

Now comes the difficult part – sticking to the budget. With all the incredible deals it can sometimes be easy to go overboard shopping for Christmas.

A gift registry, like Giftster, can be super useful when trying to keep your holiday budget in check. Make a family group and invite everyone to make their own wish lists. Then at a glance, you can see what items they are interested in and what they cost making it a breeze to stay on budget. And, not to mention, spending your money on gifts your family actually needs or wants.

Update your spreadsheet as you make purchases and keep a running total of how much money remains in your shopping budget. Rollover any extra money for the next year or consider donating to a special cause you care about.

Christmas doesn’t have to mean overspending or putting too much on a credit card. Start planning today to make your holidays an enjoyable time.

Happy gifting!

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Motivational Dream Journal |

Motivational Dream Journal

Isn’t it time to get on with life, and this Dream Plan Do Repeat motivational dream journal is a great way to get things started. This pretty spiral notebook has 118 ruled pages for you to jot down all those things you are going to do this year. The durable tranquil cover comes in the current hot color palette of soft terracotta, blush and green. From the Etsy shop, AlignedAsFvck, it’s the perfect size to toss in your purse or backpack and take every where you go, to write down inspiration when it hits you.

Love this motivational dream journal? Then be sure to check out more unique gift idea finds in the Best Gift Ideas section of our blog.

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Spring Dog Bow Tie and Leash

Spring Dog Bow Tie

Get your pooch ready for the new season with this super stylish Spring Dog Bow Tie set with a matching leash. A vibrant tangerine print with hints of turquoise blue, the set is available for dogs sizes XS to XL. From the online store,, both the collar and the leash are adjustable. The colors of this set also make it ideal for Easter or a coral theme wedding. Be sure to check out their shop to see the set in other colors and prints.

Love this Spring Dog Bow Tie set? Then be sure to check out more fun finds for your pets in our Pets section of the blog.

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