CHICKADEE MONEY CO.

Know your Christmas number by tonight.

The Christmas Money Planner is the little system that decides what Christmas costs before Christmas decides for you — then keeps score all the way to the big day.

Get the planner — $7 Instant download · Printable + Google Sheets · 14-day no-quibble refund

It's never one big blowout. It's forty small ones.

Nobody torpedoes their December with a single mad purchase. It's the extra stocking fillers, the "we may as well get the nice one", the fourth trip for wrapping paper, the panic-bought gift for someone who unexpectedly bought you one.

The Bank of England says the typical UK household spends around £700 more in December than in an ordinary month — almost a third above normal. In the US, more than 1 in 3 Americans went into debt for the holidays last year, averaging over $1,200 (LendingTree). And most of it was never decided. It just… happened.

The fix isn't spending less on Christmas. It's deciding once, up front, what Christmas gets — and then being able to see, any day in December, exactly where you stand.

THE SYSTEM

One number. Three steps. Five minutes.

Like the chickadee — the little bird that stores food all autumn so winter is covered. A little, often, and December is already paid for.

1. Set your Christmas Number.

One total for everything — gifts, food, the lot. The planner walks you through it in five minutes.

2. Split it into pots.

Gifts, food, decorations, travel — with a suggested split you can bend to your family. Every person on your list gets their own gift budget.

3. Watch it hold.

The spreadsheet shows what's left per person as you shop, and tells you exactly what to put aside each week between now and Christmas Eve. Miss a week? It re-does the maths for you.

Small enough to actually use. Complete enough to actually work.

The printable planner — 14 pages, zero filler

Quick Start — the five-minute “set your number” system

Gift List with per-person budgets and a running “Left” column

Weekly Savings Countdown + the colour-in Christmas Nest

Spending Log with the quietly brilliant “Planned?” column

Black Friday Deal Checker (more on this below)

Christmas Food Plan, Card & Postage list, December week-by-week

The January Reset — so next Christmas starts already funded

US Letter and A4 · full-colour and ink-light print versions · undated, reusable every year

The smart spreadsheet (Google Sheets)

Type one number; the whole system builds itself

Per-person gift tracker that changes colour as you shop — sage for fine, wheat for close, terracotta for over

Auto-recalculating weekly savings amount — always current, never nagging

Live countdown dashboard with budget vs spent

$ and £ versions included

The page that pays for the planner on one shopping day.

Which? tracked 175 products for a full year and found 83% of Black Friday “deals” were the same price or cheaper at other times — and not one hit its yearly low on Black Friday itself.

The Deal Checker flips the day: you write down your maximum price before the sale, in cold blood. If the advertised price beats it — real deal. If not — skip, whatever the banner screams. Your list, your prices, your win.

Who this is (and isn't) for

This is for you if Christmas always costs “whatever it ends up costing” and you'd like this year to be the year it doesn't. It works on paper, on a screen, or both.

It's not a magic money app, it won't negotiate your bills, and it can't make the in-laws cheaper. It's a simple system that makes the number visible — because the number you can see is the number you can hold.

Get the planner — $7

The Christmas Money Planner — everything in one $7 package

$7

Bonus 1: savings-tin sticker sheet — the colour-in coin challenge (£500/$500/set-your-own)

Bonus 2: walkthrough video — set up in one cup of tea

Instant download · Printable + Google Sheets · Undated, yours every year

Get the planner — $7

One more thing: at checkout you'll see the Festive Printables Pack for $3 - seven printables: gift tags, a card list, Dear Santa letters, the 24-night Elf Ideas Calendar, Christmas Eve box labels, a gift-wrap checklist and wallet budget cards. Tick it if you'd like it. The planner works perfectly well on its own.

The Christmas Money Planner - printable planner pages

FAQ’s

Straight answers about the Christmas Money Planner

Do I need a printer?

No — the Google Sheets version is the full system on its own. But the printable pack is lovely on the fridge.

Excel or Google Sheets?

Built for Google Sheets (free Google account needed). The planner PDFs work anywhere.

Is it dated?

Deliberately not. Buy once, use every Christmas.

£ or $?

Both. The PDFs work for any currency; the spreadsheet comes in both.

When do I get it?

Instantly — download links straight after checkout.

What if it's not for me?

Then you shouldn't pay for it. Email hello@chickadeemoney.com within 14 days and I'll refund you in full - no form, no questions, and you're welcome to keep the files. A human reads that inbox.

December is coming either way.

Get the Christmas Money Planner — $7

You can meet it with a number, a plan, and a small smug bird on your side — or wing it again and find out in January. $7. Five minutes to set up. Every year from now on.