Get through the holidays without a January money hangover. Plan every bill by paycheck, set a gift budget for each person on your list, and watch a debt snowball estimate your payoff month, all in one auto-calculating spreadsheet.

What’s inside (8 tabs):

• Start Here: a 60-second setup guide
• Dashboard: income, bills, spending, savings and what’s left, updated live
• Settings: weekly, biweekly, semi-monthly or monthly pay, plus categories you can edit
• Paycheck Plan: assign each bill to a paycheck and see what’s left from each one
• Expense Log: 400 rows with category dropdowns and automatic category totals
• Holiday Gift Tracker: budget, spent and remaining for each person, plus an over-plan warning
• Debt Snowball: ranks debts from smallest balance and estimates payoff months

No subscriptions or apps needed. It’s a digital download, so nothing ships.