{"id":26977,"date":"2026-04-25T05:14:31","date_gmt":"2026-04-25T05:14:31","guid":{"rendered":"https:\/\/didebta.com\/?p=26977"},"modified":"2026-04-25T05:14:32","modified_gmt":"2026-04-25T05:14:32","slug":"how-to-make-a-christmas-budget","status":"publish","type":"post","link":"https:\/\/didebta.com\/?p=26977","title":{"rendered":"How to Make a Christmas Budget"},"content":{"rendered":"<div>\n<p>Did you know Americans spent $886.7 billion on Christmas last year?<sup>1\u00a0<\/sup>That\u2019s a lot of photo cards, personalized stockings, candy canes, Christmas music, Santa hats and sparkly ornaments. But unless you plan on skipping Christmas this year, you\u2019ll find yourself a part of that $886.7 billion machine too.\n    <\/p>\n<p>Good news: You can enjoy the gift-giving season without any guilt-ridden overspending. How? Set up your Christmas budget, save up a Christmas fund\u2014and then <em>stick to your plans.<\/em>\n    <\/p>\n<h2>How to Make a Budget<\/h2>\n<p>In the classic Christmas movie\u00a0<em>Home Alone<\/em>, Kevin McCallister makes a plan for how he\u2019s going to tackle the intruders in his house\u2014a little glue here, some glass ornaments there, and a couple swinging paint cans for good measure.\n    <\/p>\n<p>What\u2019s our point? Well, just like Kevin, you need a plan\u2014and that\u2019s what a budget\u00a0is: a plan for your money (no swinging paint cans required). Now, to set up a <em>Christmas <\/em>budget, you also need to set up your <em>monthly <\/em>budget (which, by the way, is much easier with EveryDollar).\n    <\/p>\n<div class=\"BlogInsert-copy\">\n<p>Get expert money advice to reach your money goals faster!<\/p>\n<\/p><\/div>\n<p>Here\u2019s how to get started in three easy steps:\n    <\/p>\n<h3>1. List your monthly income.<\/h3>\n<p>What counts as income? Any and all money your household brings in each month is income\u2014including any side jobs you picked up for the holidays!\n    <\/p>\n<h3>2. List your expenses.<\/h3>\n<p>Now it\u2019s time to write down every expense you know is headed your way.\n    <\/p>\n<ul>\n<li>Giving (this should be 10% of your income)<\/li>\n<li>Savings (depending on your Baby Step)<\/li>\n<li>Your Four Walls (food, utilities, shelter and transportation)<\/li>\n<li>Other essentials (insurance, debt, childcare, etc.)<\/li>\n<li>Extras (entertainment, restaurants, etc.)<\/li>\n<\/ul>\n<p>Once you\u2019ve got the regular expenses in the budget, add a Christmas budget category! Under that, you\u2019ll need budget lines for gifts, decor and ingredients for all those\u00a0delicious Christmas dishes\u00a0you make every year.\n    <\/p>\n<p>P.S. We\u2019ll talk more about this below in the How to Set Up Your Christmas Budget in EveryDollar\u00a0section\u2014so you can stay on budget (and out of debt) through the whole holly jolly season.\n    <\/p>\n<h3>\u00a03. Subtract your expenses from your income to equal zero.<\/h3>\n<p>We believe in making a\u00a0zero-based budget.\u00a0That means every dollar needs a job! So, when you subtract your expenses from your income, that equals zero.\n    <\/p>\n<p>Why? Well, when you leave money lying around, it gets spent accidentally. That\u2019ll get you on the naughty list with Santa <em>and<\/em> hold you back from making progress with your money goals.\n    <\/p>\n<p>What if you do the math and get a negative number? This can totally happen at the holidays with all those extra expenses in the budget. But listen, a negative number here means you\u2019re planning to spend more than you make. That. Won\u2019t. Work. Just cut some spending or increase your income to make the number zero and balance it all out!\n    <\/p>\n<p>What if you end up with more than zero? Celebrate! Then put that money to work by putting it toward your current Baby Step. (Or getting a better gift for your favorite relative. We won\u2019t tell!)\n    <\/p>\n<p>And if you have an\u00a0irregular income, don\u2019t sweat it. You can still use zero-based budgeting. All year long! You just need to plan low and then adjust after you get paid. And heads up, we\u2019ve got a new premium feature in EveryDollar called paycheck planning that was made for irregular incomers.\n    <\/p>\n<\/p><\/div>\n<div>\n<h2>How to Set Up Your Christmas Budget in EveryDollar<\/h2>\n<p>Take a guess at how much American families plan to spend on the holidays this year. According to our State of Personal Finance study, the answer is $1,300. We don\u2019t know about your budget, but with inflation, well, drumming up an extra $1,300 isn\u2019t easy.\n    <\/p>\n<p>So, before we go any further, hear this: You don\u2019t have to spend that much. You have nothing to prove to anyone with your decorations, gifts and fancy food spread. That\u2019s not the point of the holidays. It just isn\u2019t. Free yourself from feeling pressured to spend <em>any <\/em>particular<em> <\/em>amount and focus on what you\u2019re able to afford\u2014and on living the true joys of the season!\n    <\/p>\n<p>With the next few steps, you\u2019ll learn how to set a spending limit you can afford, set up everything inside your EveryDollar budget, and then stick to your plan. Ready? Let\u2019s do this.\n    <\/p>\n<h3>1. Plan how much you\u2019ll spend this year.<\/h3>\n<p>When you\u2019re setting your spending limit, remember: The amount you\u00a0<em>should<\/em>\u00a0spend is based on what you make,\u00a0what you\u2019ve saved, and what you can move around in\u00a0your budget\u00a0to get the job done.\n    <\/p>\n<p>You\u2019ve already set up your monthly budget, so you should have a good idea of how much you\u2019ve got to play around with for Christmas this year. Set planned amounts for Christmas gifts, food, travel, decor and anything else.\n    <\/p>\n<p>And whatever you decide to spend, be ready to stick to it. Commit to no debt, because no one needs Christmas payments sticking around past St. Patrick\u2019s Day.\n    <\/p>\n<h3>2. Create a Christmas budget category in EveryDollar.<\/h3>\n<p>Here\u2019s how:\n    <\/p>\n<ul>\n<li>Sign in to\u00a0your\u00a0EveryDollar account\u00a0on your desktop computer.<\/li>\n<li>Scroll down to the bottom, and you\u2019ll see\u00a0Add Group. This is how you add a new category. Name it anything you want: Santa\u2019s Stash, Festive Finances, Merry Money, or the super straightforward name we\u2019ve given here\u2014Christmas Spending.<\/li>\n<\/ul>\n<h3>3. Make budget lines for gifts, food, decor and all things holiday.<\/h3>\n<p>List everyone on your nice list and how much you plan to spend on each of them.\u00a0This includes everyone from your kid to that coworker you got for\u00a0Secret Santa\u00a0this year. Just click\u00a0Add Item\u00a0and type in the name of each person.\n    <\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" loading=\"lazy\" alt=\"christmas budgeting\" src=\"https:\/\/didebta.com\/wp-content\/uploads\/2024\/11\/christmas-budget-1.jpg\"\/>\n    <\/p>\n<p>At this point, every dollar you\u2019ll spend is attached to someone\u2019s name, just like categories in a normal budget. There&#8217;s a budget line for everyone\u2014see how there&#8217;s a line for gifts for Mom? You can always start with our printable Christmas Present Planner. Just make sure you put everything in EveryDollar too!\n    <\/p>\n<p>And don\u2019t forget to have lines for any other Christmas spending, like food and travel. Or just add more money to your grocery spending and transportation lines if you\u2019d prefer. Whatever gets your budget ready for the extra expenses of the season!\n    <\/p>\n<p>At this point, your Christmas budget might look a little something like this:\n    <\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" loading=\"lazy\" alt=\"christmas budgeting\" src=\"https:\/\/didebta.com\/wp-content\/uploads\/2026\/04\/christmas-budget-2.jpg\"\/>\n    <\/p>\n<h3>4. Track your spending as you go.<\/h3>\n<p>Want to know how you\u00a0<em>don\u2019t<\/em>\u00a0overspend? You\u00a0track your expenses.<strong>\u00a0<\/strong>Every. Single. One.<strong> <\/strong>That\u2019s right: Keep up with all that spending\u00a0as you go. Log in to\u00a0your budget, and click on the\u00a0Transactions icon. Next, click the blue plus sign. Then, record the expense! (Or check out that premium version of EveryDollar, which includes bank connectivity so your transactions stream into your budget. Automatically. You just drag and drop them to the right line!)\n    <\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" loading=\"lazy\" alt=\"christmas budgeting\" src=\"https:\/\/didebta.com\/wp-content\/uploads\/2024\/11\/christmas-budget-3.jpg\"\/>\n    <\/p>\n<h3>5. Move amounts around when needed.<\/h3>\n<p>If you budgeted $25 on gifts for Aunt Jordan but hit a few sales and got everything you need for only $15, then take that extra $10 and put it to good use. You can buy Aunt Jordan another gift or add that amount to another budget line where you might need a little more wiggle room\u2014like your\u00a06-year-old\u2019s Christmas list\u00a0that seems to get longer and longer. By. The. Minute.\n    <\/p>\n<p>That\u2019s the beauty of your Christmas budget\u2014this thing\u2019s not set in stone. You can change up the planned amounts after you put them in there. Just make sure you don\u2019t overspend the\u00a0<em>total amount\u00a0<\/em>you planned for Christmas\u2014or your budget as a whole!\n    <\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" loading=\"lazy\" alt=\"christmas budgeting\" src=\"https:\/\/didebta.com\/wp-content\/uploads\/2024\/11\/christmas-budget-4.jpg\"\/>\n    <\/p>\n<h2>Save Money Through the Year With a Christmas Fund<\/h2>\n<p>We\u2019ve talked a lot about your Christmas budget, but now it\u2019s time to talk about\u00a0a Christmas fund\u00a0(yep\u2014they\u2019re two different things). Think of a Christmas fund like a savings account you set up for all your Christmas needs. This is where you\u2019ll stash the money you\u2019re saving for Christmas and watch it grow as the season gets closer.\n    <\/p>\n<p>If you\u2019re reading this in November or December, you don\u2019t have time to create a sinking fund . . . for this year. But keep reading, because you\u2019ll want to start saving next summer so you aren\u2019t scrambling to cover Christmas next year.\n    <\/p>\n<p>When you\u2019re planning a Christmas fund goal for the year, take a look at how much you spent on Christmas gifts last year. Where did you overspend? Do you need to up your budget or lower it a smidge? Where can you cut back this year?\n    <\/p>\n<p>Answer those questions, then set up a Christmas fund! How? Good question. Let\u2019s answer that next.\n    <\/p>\n<h2>How to Set Up a Christmas Fund<\/h2>\n<p>How\u2019s how you create a Christmas fund:\n    <\/p>\n<ul>\n<li>Set a total goal amount for your Christmas fund.<\/li>\n<li>Divide that total by the number of months before Christmas. This is how much you need to save each month.<\/li>\n<li>Create a sinking fund in EveryDollar (with the steps below) to stash that amount back every month to reach your goal.\n<ul>\n<li>Log in to EveryDollar.<\/li>\n<li>Under Savings, click Add Item.<\/li>\n<li>Name your budget line.<\/li>\n<li>Tap the new line to open it up.<\/li>\n<li>Click Fund, and then Make This a Fund.<\/li>\n<li>Now you can start entering how much you\u2019ve saved so far, the amount you plan to save each month, and your full Christmas savings goal!<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>EveryDollar will track how much you\u2019re saving and how much more you need to save to meet your goal. In December, your Christmas savings will be fully funded, and you can savor the season instead of feeling pinched for extra money.\n    <\/p>\n<p>That\u2019s your PSA to budget early for\u00a0<em>next Christmas<\/em>! Seriously. If you save little by little, month by month, coming up with Christmas money won\u2019t hit you like the reindeer that ran over grandma in that crazy song.\n    <\/p>\n<h2 style=\"text-align: center;\"><img decoding=\"async\" loading=\"lazy\" alt=\"christmas budgeting\" src=\"https:\/\/didebta.com\/wp-content\/uploads\/2024\/11\/christmas-budget-5.jpg\"\/><\/h2>\n<h2>How Do You Get the Cash for Christmas?<\/h2>\n<p>Okay, you\u2019ve got that budget set, and you know you need to\u00a0find extra cash for Christmas this year. How can you make it happen? Ask yourself these four questions:\n    <\/p>\n<h3>What Budget Lines Can You Tweak?<\/h3>\n<p>Little splurges here and there, tickets to concerts or movies, that habit of clicking \u201cadd to cart\u201d after a targeted ad\u2014look through your normal budget and figure out what you can trim down for a month (or two) to free up money for your Christmas budget.\n    <\/p>\n<p>Don\u2019t know where to start? Try\u00a0buying generic at the grocery store, using\u00a0coupon\u00a0apps,\u00a0meal planning, drinking homemade coffee, or carpooling to work. Don\u2019t forget scaling back on things like restaurants, clothing, personal spending, gourmet hot cocoa and entertainment too.\n    <\/p>\n<p>Now, we already know what you\u2019re thinking: <em>But if I trim back on entertainment, my family can\u2019t go see the Christmas lights this year!<\/em> Oh, heck yes, they can. Drive to a neighborhood that goes all out and enjoy that\u00a0<em>free\u00a0<\/em>experience. BYOHC (bring your own hot cocoa) and make a cheap\u2014but valuable\u2014memory.\u00a0\n    <\/p>\n<h3>How Can You Boost Your Income?<\/h3>\n<p>We mentioned it earlier, but if you need some more money to\u00a0hit your Christmas budget goal, get out there and increase your income.\n    <\/p>\n<p>You could sell baked goods, take on extra hours at work, or even\u00a0start a side hustle. Make some money quick by selling things online, try cashing out rewards from money-making apps.\n    <\/p>\n<p>Get creative: Babysit so parents can go Christmas shopping alone, shovel driveways and sidewalks full of snow, offer gift-wrapping services . . . Even the sky isn\u2019t the limit for Santa, or for you.\n    <\/p>\n<h3>What Christmas Traditions Can You Skip?<\/h3>\n<p>Psst, guess what? You don\u2019t\u00a0<em>have\u00a0<\/em>to do elaborate pranks with your Elf on the Shelf this year. Or fancy Christmas card photo sessions. Or a Clark Griswold-style Christmas lights display. The kids will survive, we promise.\n    <\/p>\n<p>You can save money this year by cutting out\u00a0traditions that you don\u2019t truly have to do. Be open and honest about your budget as you try to figure out which traditions to cut and which to keep.\n    <\/p>\n<h3>How Can You Cut Down on the Cost of Gifts?<\/h3>\n<p>Shop sales. Use coupons. Go for\u00a0DIY homemade gifts\u00a0instead of buying gifts at the store. Give out baked goods for gifts. Skip all the random gift exchanges. Instead of presents for every extended family member, just draw names and buy only one gift for the person you get.\n    <\/p>\n<p>So, breathe a big sigh of relief. You can spend less on presents this year\u2014without being a Grinch.\n    <\/p>\n<h2>Will Making a Christmas Budget Really Save Money?\u00a0<\/h2>\n<p>Yes! You\u2019ll find your\u00a0Christmas shopping\u00a0experience is much merrier and brighter when you can check everyone off while sticking to your budget, instead of spending first and worrying about the fallout later.\n    <\/p>\n<p>Having a budget is the quickest way to make your money goals a reality. Saving for Christmas? You should budget.\u00a0Trying to get out of debt?\u00a0You should budget. Saving for retirement? You should budget. Already a millionaire? Guess what\u2014you should still budget.\n    <\/p>\n<p>Saving money for Christmas with your budget doesn\u2019t have to be complicated. With our budgeting tool,\u00a0EveryDollar, you can create Christmas funds and track gift buying for everyone on your list.\u00a0\n    <\/p>\n<p>Just download the app, answer a few questions, and we\u2019ll build you a plan to free up thousands in margin to put toward your goals.\u00a0Start EveryDollar for free right now!\n    <\/p>\n<p>Follow these steps to set up your budget so you can have a holly jolly, well-budgeted, debt-free Christmas <em>and<\/em> a happy new year.\n    <\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/budgeting\/create-a-christmas-budget\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Did you know Americans spent $886.7 billion on Christmas last year?1\u00a0That\u2019s a lot of photo cards, personalized stockings, candy canes, Christmas music, Santa hats and sparkly ornaments. But unless you plan on skipping Christmas this year, you\u2019ll find yourself a part of that $886.7 billion machine too. Good news: You can enjoy the gift-giving season<\/p>\n","protected":false},"author":1,"featured_media":26978,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-26977","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Make a Christmas Budget | Didebta<\/title>\n<meta name=\"description\" content=\"Did you know Americans spent $886.7 billion on Christmas last year?1\u00a0That\u2019s a lot of photo cards, personalized stockings, candy canes, Christmas music,\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/didebta.com\/?p=26977\" \/>\n<meta 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