sample Gift Planner Worksheet from “Artfully Organized Christmas Holiday Planner”

Start early in the year and keep track of purchases

Write out a budget and plan accordingy each month … so no surprises / debt

Keep track of what is wrapped

sample Monthly Budget Worksheet from “Financial Wellness Budget and Bill Planner”

Each month go through the exercise of listing bills that are due in each category

Serves as a good reminder that every month looks different financially

Avoid the pitfall of forgetting to add in an irregular bill (billed once or twice a year etc)

Allows you to plan total expenses

sample Blank Monthly Calendar in “Financial Wellness Budget and Bill Planner”

Great for using to track income / pay dates / birthdays / events / upcoming expenses

Use to write when bills are due so that you can see what is due on a monthly calendar

Goal setting at the bottom of each month