Countdown to an Organized Christmas: Budgets

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countdown christmas

{If you’ve missed the previous posts in this series you can find them here.}

Today we’re going to just jump right into a dreaded subject.  Budgets.  It’s something no one likes to do but — at least in my case — it has to be done.

No one likes to go into a new year owing way more than they should because of some overspending at Christmas.  Yet a lot of people do this every year.  It doesn’t have to be like that!  Blowing your budget isn’t going to make you happy and it certainly has nothing to do with the true meaning of Christmas.

A bit of planning now can save a lot of headache when the credit card statement comes in January.  I’d also suggest sitting down in January of next year to plan the coming Christmas budget.  Then you can save a bit each month and have no worries about finances come next December.  I’ve done that for a few years now and I wouldn’t have it any other way.  Not only does it stop any big hits to the budget at the end of the year, it also gives you money throughout the year to buy some gifts early.  I was serious when I said that I have almost everything bought by the end of October.  It’s such a relief to be done early!

So if you haven’t begun shopping yet, at least start planning.  Some people like to wait for the Black Friday/Cyber Monday sales.  Some people like to wait til December 24th and buy all of their presents then.  There is obviously no wrong way to do it (as long as it gets done)!

And now, the homework:

Today’s Assignment:  Start thinking about your budget for Christmas.  Who will you need to buy for?  (Yesterday’s post should be able to help with that.)  How much do you feel comfortable spending?  Talk to your spouse (if applicable).  Start jotting down some figures.

Today’s Printable:  CCJ budget worksheet — Print multiple copies if needed.

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2 responses »

  1. Pingback: Countdown to an Organized Christmas: Welcome | Happily A Homemaker

  2. Pingback: Countdown to an Organized Christmas: Binder Prep and Organizing | Happily A Homemaker

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