Living Life To The Fullest, On A Budget

Three Month Savings Plan for Christmas Shopping

Christmas seems to sneak up on me every year! Except for the many years that I worked retail, back then I would be reminded of the holidays on a daily basis starting in September… I don’t miss that.

Now that I don’t work retail I can actually enjoy the holidays, so I try to keep stresses low as much as possible. Part of that stress-free holiday plan is saving so that I have enough money for Christmas Shopping.

THIS POST CONTAINS AFFILIATE LINKS. HOWEVER, ALL OPINIONS AND ADVICE ARE MY OWN. IN ORDER TO STAY TRULY TRANSPARENT AND HONEST, I ONLY RECOMMEND SERVICES THAT I USE, LOVE AND BELIEVE WILL BENEFIT OTHERS.

 

 

 

The Three Month Savings Plan is perfect for Christmas Shopping. Right around the beginning of September you will start to notice holiday decorations making their way to the stores. So when you see that, start saving!

Follow this chart to save $500 by the time Christmas comes around. If you need more than $500 just adjust the numbers accordingly so that the chart works for you. Put aside the amount listed for every week, check the box when that amount was put aside. Read the bonus tips under the chart to make saving even easier.

Click to print. I left the title out so that this savings plan can be used for anything!

Click to open and print

Bonus Tips

    • There are more expenses than gifts. If you host a dinner or party at you home you can add those expenses to your budget. So, if you need $700 for gifts and $300 for Christmas dinner, follow the chart to save $1000.
    • Put all of this savings into one account, and don’t touch it. You need to separate this money to make it work. Open a free savings account, put it on a reloadable card, or keep the cash in a safe place in your home. But be good and don’t be tempted to dip into that money except for holiday shopping.
    • Use cash back websites like TopCashBack.com or grocery cash back apps like ibotta throughout the year to earn cash back on purchases. Transfer all of these rewards throughout the year into one account that you will use for holiday expenses. Gives you a little extra $$ without really noticing it’s gone.
    • Buy gifts throughout the year. I do like the idea of this, but to be honest, I have never been able to follow through with this one. I might remember to grab one or two things if something stands out. But if you can make this work it’s a great way to spread expenses throughout the year. (If you are a pro at this and have some advice please comment and let me know!)



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