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The Debt-Free Christmas Planner 2026 — stockings by the fireplace

THE DEBT-FREE CHRISTMAS PLANNER 2026 — FREE SAMPLE

A Free Taste of Grace and Grids

Page 3 — My Christmas Budget

This number is your boss for the next 8 weeks.

My total holiday budget: $

The 6 Envelopes

ENVELOPE

BUDGET $

SPENT $

Gifts

Budget $

Spent $

Food & Hosting

Budget $

Spent $

Decorations

Budget $

Spent $

Travel

Budget $

Spent $

Cards & Postage

Budget $

Spent $

Giving / Donations

Budget $

Spent $

TOTAL

Budget $

Spent $

THE RULE OF THE ENVELOPES

When an envelope is empty, you're done spending in that category. Borrowing from another envelope means

writing it down here - no silent stealing.

Page 5 — Master Gift List (People 1-10)

(People 1-10)

NAME

GIFT IDEA

BUDGET
$

ACTUAL
$

STORE

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

10.

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

Page 5 — Master Gift List (People 11-20)

(People 11-20)

NAME

GIFT IDEA

BUDGET
$

ACTUAL
$

STORE

11.

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

12.

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

13.

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

14.

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

15.

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

16.

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

17.

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

18.

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

19.

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

20.

Name

Gift idea

Budget $

Actual $

Store

Bought?

Wrapped?

GRACE AND GRIDS

Enjoyed this sample?

The full Debt-Free Christmas Planner 2026 is 51 pages — the complete gift lists, the budget, the deadlines, and a Family Singalong Night with ten classic carols.

Get it here:
payhip.com/b/IvCT0

Or browse all 120+ original products at our store:
payhip.com/GraceandGrids
and on our website:
graceandgrids.netlify.app

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