The Calm Christmas Money Kit

Have a Christmas you'll still feel good about in January.

Holiday Planner + Budget Dashboard + No-Spend Challenge · 3 digital files · instant download

€39.99 instead of €53 bought separately · Save €13

The holidays are where careful budgets quietly break: one extra gift, a last-minute dinner, a "just this once" sale. This kit gives you a plan before December starts, a place to track every euro or dollar while it's happening, and a gentle reset for afterwards.

From: dreading the January bank statement.
To: knowing your holiday number, sticking to it, and starting the new year calm.

What's inside

1. The Holiday Spending Planner (printable PDF, €14 separately): holiday budget and tracker, gift lists, meal and travel budgets, gift-limit conversation scripts, the Guilt Gift Check and a January landing plan.
2. The Matriarch Money Dashboard (Excel spreadsheet, also works in Google Sheets, €27 separately): budget vs. actual, irregular bills, savings goals, Money Mood tags and your Calm Number.
3. 30-Day No-Spend Challenge & Budget Tracker (printable PDF, €12 separately): a gentle January reset with Gentle, Classic and Bold levels and the 90-Second Urge Pause.

How to use the kit

• November: set your holiday number and gift list in the Planner.
• December: log spending in the Dashboard as it happens, so there are no surprises.
• January: land softly with the No-Spend Challenge and rebuild your savings.

This kit is for you if…

• Christmas usually costs more than you planned.
• You feel pressure to spend to show love, and want kinder ways to set limits.
• You want one simple system for the whole season, not a pile of apps.

This kit is not for you if…

• You only need a gift list. The Holiday Spending Planner on its own may be enough.
• You are looking for personalised financial or debt advice.

FAQ

Is anything shipped?
No. You receive digital files to download after checkout.

Can I print the planners?
Yes. Both PDFs are A4 and print on US Letter using fit-to-page. Each comes in a colour version and a low-ink printer-friendly version.

Do I need Excel?
The Dashboard is an .xlsx file. You can open it in Microsoft Excel or upload it to Google Sheets. Some formatting may vary by app.

Want everything?
The Complete Collection includes this kit, all three Matriarch workbooks and the 2027 Money Calendar.

For personal budgeting and education, not financial advice.