01
Set a limit per person
Agree on a cap in the family – say €30. It takes the pressure off everyone at once.
Christmas budget planner
Plan December, enjoy January.
Gifts are only half of it – dinner, decorations, travel and the office party add up too. One list for everything, gifts ticked off once bought, and the cost spread over the weeks that are left.
61 days until Christmas Eve
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Gifts
Tap the box once a gift is bought, then enter what it really cost.
0 of 5 bought
- €
- €
- €
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Everything else in December
The costs nobody plans for – and everybody pays.
- Food & Christmas dinner€
- Tree & decorations€
- Travel to family€
- Wrapping & cards€
- Parties & markets€
- Donations€
A calmer December
Six ways to keep Christmas warm and the account calm.
02
Do a Secret Santa
In bigger families or among friends, everyone buys one good gift instead of many small ones. More thought, less money.
03
Start in November
Last-minute shopping is expensive shopping. Buying a few gifts early spreads the cost and avoids panic purchases.
04
Keep a running list
Note down ideas whenever someone mentions a wish during the year. Christmas shopping becomes picking, not searching.
05
Give time, not things
A shared day out, a homemade dinner, a voucher for help with something. Often remembered longer than anything wrapped.
06
Plan for January
Insurance, taxes and annual fees often land in January. A buffer keeps the new year from starting in the red.
A calm December, a calmer January.
Give Christmas its own category in Money Koi and scan receipts while shopping – what's left is always clear, right on the phone.
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