The Debt-Free Christmas Planner | Fillable PDF with Automatic Totals

Twelve weeks to a peaceful Christmas, and a January without debt.

Christmas shouldn't follow you into the new year. The Debt-Free Christmas Planner helps you decide what you can truly afford before December decides for you. Then it does the maths for you as you go.

Type your figures into the boxes and every total, difference and weekly amount works itself out. No calculator, no spreadsheet, no guesswork.

Inside your planner (9 pages)

• Welcome and contents: a gentle start, with space to make it yours.
• Your Christmas Number: add up what you have and what must come first. Your debt-free Christmas budget then appears on its own.
• The Twelve-Week Plan: your number carries over, and the planner works out exactly how much to set aside each week.
• The Budget: plan nine categories, from gifts to travel, and see at a glance where you're over or under.
• The Spending Record: log each purchase as you make it, with a running total and a "Before I buy" check.
• The Gift Register: set a price for every person before you shop, and tick off what's bought and wrapped.
• The Christmas Edit: sort what you'll keep, what you'll consider and what you'll release.
• January, Prepared: make sure Christmas borrows nothing from the new year.

Why you'll love it

• It adds up for you: totals update the moment you type.
• Use it your way: fill it in on screen, or print it and use a pencil.
• Beautifully made: a deep ivy cover with gold detail and ivory pages, designed to feel like a planner you'd be proud to keep.
• Built on the Crowned Ant way: prepare today, so tomorrow doesn't have to become debt. "Go to the ant… consider her ways, and be wise." (Proverbs 6:6)

What you'll receive

• One fillable PDF, A4 size, 9 pages.
• An instant digital download. Nothing will be posted to you.

Important: automatic totals
For the automatic calculations, open your planner in the free Adobe Acrobat Reader, which is available on computer, iPhone, iPad and Android. Some apps, such as Apple Preview and certain web browsers, will let you type but won't calculate. The planner prints beautifully either way.

FAQ 

Can I print it?
Yes. It's designed for A4 paper and prints in colour or black and white.

Will my typed answers save?
Yes. Save the file after filling it in, and your entries will be there next time.

I'm starting late. Does it still work?
Yes. Divide what you still need by the weeks you have left. The planner shows you how.

Is this financial advice?
No. It's a planning tool to help you organise your own money. If you're struggling with debt, free and confidential help is available from StepChange, Citizens Advice and MoneyHelper.

Refund Policy

As this is a digital download, you'll have immediate access after purchase. By completing your order, you agree to receive the download straight away and acknowledge that you lose your 14-day right to cancel once the download begins. If there's a problem with your file, please get in touch and we'll put it right.