Frugal Christmas Tips & Budget FREE Printables

I’ll be the first to admit there have been years when I’ve looked at the January credit card bill and wondered where on earth Santa’s sleigh went off the rails! So I came up with these free printable frugal Christmas tips and budget sheets to help me plan and keep my holiday spending in check. And they can help you too. Here’s to a beautiful Christmas that’s rich in memories, not in bills!

With this year flying by fast, Christmas will be here before we know it. If you are struggling to find affordable ideas or even free ways to bless others, this printable might bring some inspiration. I don’t know about you, but this year has been a challenge financially and I wanted to put together ideas on how you can make the holidays special without spending a ton of money.

Planning for Christmas is something you can never start early enough. Grab these two printables today to start getting yourself ready for a Christmas you will never forget.

🎅 20 Frugal Christmas Tips Printable

Looking for fun ideas to do with the family or a way to give back? Here are some great ideas to inspire you to think out of the box.

📌Homemade Cards – If you plan to send cards to loved ones, grab the craft supplies you have on hand and enjoy. This is a fun activity the whole family can do together. Making a homemade card is a great way to show love.

📌DIY Decorations – Skip heading to the store and shopping for new decorations. Make homemade popcorn garland for the tree, applesauce ornaments, DIY Christmas Ornaments or even print free Bunting for the fireplace.

📌Free Events – Check your local area and see if there are any fun free events. Many Christmas parades, candlelight services and more are free. This can be a fun activity for the family without having to spend money. Always stop and take photos with the friends and family though!

📌Acts of Service – Give back to your community. Consider getting rid of old toys, working a soup kitchen, ringing the bell for the Salvation Army and more. These are great activities that are free and a way to teach your family what Christmas is really all about.

🎁 Printable Christmas Budget

Stick to a budget this Christmas. If money is tight, or you just don’t want to overspend, this can help.

👉Record Your Spending – Whether you bought items for the whole house, gift spending, or your favorite Cranberry Bliss treat at Starbucks, you should track all money you spend. This is the first step to being aware of how and what you are spending.

👉Track Gift Purchases – This also is a great method to help you remember what gifts your bought or what you plan to gift your loved ones (even if it something free, like your time) and that way you don’t accidentally forget an item or two. Use the Holiday Gift Planner or the Holiday Binder to track everything.

👉If You Overspend – If you overspend in one area of your chart, then look to cut back expenses in other areas to compensate. This will help you working towards your targeted budget. If you went too far, grab the Debt Snowball Tracker to get you back on track. To get it under control in 30 days, try using the No Spend Challenge as that will quickly get you some money back to the right spot.

🖨️ How To Download

Click to grab the free Fun and Frugal Holiday Ideas Printable.

Go ahead and print on your home printer. Please only use this for personal use. This isn’t for commercial distribution.

Interested In More Ideas For Christmas

Tried this printable? Please leave a comment or review in the comments section further down the page and let us know how you used the printables!  You can also stay in touch with me through social media by following me on Instagram, Pinterest, and Facebook!