Virtually Stored
UK Christmas & January Money Planner
Plan Christmas without wrecking January. Set a budget for each part of Christmas, track every gift, see your money in and out for December and January, work out how much you've got per day until the January payday, and start saving for next Christmas.
Works in Google Sheets & Excel
£5
Buy now
Instant digital download, sold through Payhip.
A guide only, not financial advice.It helps you plan and keep track of your own money. If you're struggling with bills or debt, get free, confidential help from MoneyHelper, StepChange or Citizens Advice. In Jersey, contact Citizens Advice Jersey.
About this planner
December pay often arrives early, Christmas costs pile up, and then January brings a long wait for payday with the same bills to pay. This planner puts both months side by side so you can see the whole picture before you spend, not after. It comes with example figures filled in so you can see how it works, and a clear warning shows until you delete them. Made in Jersey.
What's included
- Christmas budgetGifts, food and drink, travel, decorations, going out, cards and postage, wrapping, days out and more, with budget, spent and what's left for each, and a clear flag when one goes over.
- Gift trackerWho you're buying for, the idea, the budget and what you spent, with bought, wrapped and sent or given to tick off. The totals feed straight into your Christmas budget.
- December and JanuaryMoney coming in and going out for each month, planned and actual, with what's left over. Christmas spending and January bills are added for you.
- The gap to paydayEarly December pay can mean five or six weeks until January's payday. Type in your balance and dates, and it works out what's left per day and per week after the bills.
- January billsRent or mortgage, council tax, energy, credit cards, buy now pay later and Self Assessment, with due dates and which ones land before payday.
- Cutting backList what you could cut or switch, and see the saving each month and over a year.
- Next Christmas savingsSet goals for next year and see how much to put away each month and each week, and how much of it cutting back covers.
- Google Sheets & ExcelNo macros. Example figures to show you how it works, plus links to free money help. Your figures stay on your own device or Drive.