Holiday Budget Worksheet

Step 1: Current Financial Baseline

Current Total Debt (credit cards, short term loans, etc..):

Monthly Household Income (after taxes):

Monthly Fixed Expenses (mortgage/rent, utilities, insurance, etc.):

Monthly Variable Expenses (groceries, gas, regular activities, etc.):

Monthly Savings/Giving (tithes, offerings, emergency fund contributions):

Monthly Disposable Income: $0.00

Step 2: Holiday Timeframe

Number of months until end of holiday season:

Total Available for Holiday Spending (without going into debt): $0.00

Step 3: Gift Budget Planning

Immediate Family

Number of immediate family members to buy for:

Budget per immediate family member:

Immediate Family Total: $0.00

Extended Family

Number of extended family members to buy for:

Budget per extended family member:

Extended Family Total: $0.00

Friends & Others

Number of friends/others to buy for:

Budget per friend/other:

Friends & Others Total: $0.00

TOTAL GIFT BUDGET: $0.00

Step 4: Additional Holiday Expenses

Holiday Activities (events, outings, entertainment):

Decorations (tree, lights, ornaments, etc.):

Special Meals & Hosting (holiday dinners, baking, parties):

Travel Expenses (if applicable):

Other Holiday Expenses:

TOTAL ADDITIONAL EXPENSES: $0.00

📊 Your Holiday Budget Summary

Total Available (Disposable Income × Months): $0.00

Total Gift Budget: $0.00

Total Additional Expenses: $0.00

TOTAL HOLIDAY SPENDING PLANNED: $0.00

REMAINING BALANCE: $0.00

"Suppose one of you wants to build a tower. Won't you first sit down and estimate the cost to see if you have enough money to complete it?" - Luke 14:28 (NIV)

🎄 Thriving Through the Holidays 🎄