How to Make a Christmas Gift List That Stays on Budget

How to make a Christmas gift list that keeps spending on track: set a total, give each person an amount, track what you bought and what is left.

1. Start with one total

Decide how much you can spend on all gifts this year before you shop. Base it on cash you have or can save by December, not on what you spent last year.

2. List everyone

Write every person you buy for, including teachers, coworkers, hosts and Secret Santa. Small gifts add up because there are many of them.

3. Give each person an amount

Split the total across the list. The free gift budget per person calculator does this in seconds.

4. Track ideas, bought and spent

Use columns for gift ideas, status (idea, ordered, wrapped) and actual price. Compare actual to planned after each purchase so you can move money between people before it is too late.

5. Remember the extras

Wrapping, shipping, cards and postage are easy to forget. Add them as their own lines.

Want the list in a spreadsheet? The Holiday Gift & Budget Planner tracks people, gift ideas, planned vs. spent and what is left ($6, Excel or Google Sheets). Sending cards too? The Christmas Card List & Address Tracker keeps addresses in one place ($4).

Questions

How much should I spend per person on Christmas gifts?

There is no fixed rule. Start with what you can afford in total and divide it across your list.

When should I start my gift list?

October or early November gives you time to watch for sales and spread the cost.