
Holiday Budget Ritual
Left in the holiday budget — total budget minus everything spent — with planned gifts counted before you buy them.
What the file tells you every week
Every December ends the same way: a January statement nobody planned. This sheet fixes it on the first Sunday — one budget, three pots, a gift list with a number per person — and then tells you every week what is safe to spend.
Anyone who buys for more than five people and would like January to be boring.

Excel 2016+ or Microsoft 365. Or upload the .xlsx to Google Drive — it opens in Sheets with formulas and charts intact.
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