Most holiday overspending isn’t the gifts. It’s the wrapping, food, travel, parties and last-minute extras. This planner sets one total and saves for it each payday.

WHAT YOU GET
• One holiday budget split across 10 categories, showing what’s left in each
• Everyone on one gift list, with a budget per person and Bought / Wrapped status
• The exact amount to set aside each payday before your shopping deadline
• Gift spending flows into your budget automatically
• A dashboard: budget, spent, left, and who is still to buy for

INSIDE (5 tabs)
Start Here (10-minute setup, any currency) · Dashboard · Holiday Budget · Gift List (100 people) · Savings Plan with payday log

BONUSES
• Hidden Holiday Costs Checklist: 37 costs people forget (PDF)
• No-Debt December: 7 simple rules (PDF)

GOOD TO KNOW
• Works in Microsoft Excel and Google Sheets (free). No app, no subscription
• Reuse it every year
• One-time payment, instant access
• 14-day money-back promise: message us within 14 days if it doesn’t suit you

— Smart Tools