My No Fuss Method To Holiday Budgeting

Sep 15, 2020

Outfit Details:

Ruffled Top (under $50): here, Jeans: here, Glasses: here



Holiday budgeting is important.

As for holiday budgeting techniques, apps, methods, eh not so much. I think you should try many different ways of budgeting before you find the one that you like best. Some of the people in my life use mint and others use the envelope method. Personally, I’m drawn to simplicity – the easier the technique – the more likely I’ll stay consistent, I normally get advice from great experts, like the ones at SoFi.


Here’s my no fuss method to holiday budgeting


  • Decide how much my husband and I can afford to spend total.
  • Save each week (starting in September) and put money aside into a Christmas shopping account, envelopes, or budget binder.
  • Make a list of each person I want to buy a Christmas gift for. (Including everyone from parents to friends, to my favorite nurse).
  • Allocate the total cost I want to spend per person. For instance, I’m going to spend more on my children than I would on the family vet. You can make this Christmas gift list via Excel spreadsheet or pen and paper. You could do both just incase you misplace the physical copy.
  • Make a list of everything else I’ll be purchasing for the holiday season like decor, secret Santa gifts, traveling expenses, food and beverage, Christmas wrapping, cards, and stocking stuffers.
  • Start shopping as soon as possible. I always pick up one or two items from the Nordstrom Anniversary Sale to hold for the Christmas season. Holiday deals begin earlier and earlier each year so keep a look out for discount codes at your favorite online stores.
  • DIY Christmas gifts. If you aren’t a regular Chip or Joanna Gaines, I suggest creating a simple and beautiful gift basket. Fill it with inexpensive items that are intentional to that person.



I am currently using this Christmas planner and it is making holiday budgeting more fun and organized-  so that I can enjoy what the season is all about – the birth of our savior.


Have any tips or tricks for holiday budgeting in 2020? Let me know below. Your comments help other readers and I love hearing from you. 

Sep 15, 2020 | Lifestyle


  1. Shelia

    Great ideas!! I try to have all my gifts bought by the time I decorate so they can go under the tree sooner rather than later.

    1. VeiledFree

      That’s a great goal!

  2. Erika R

    This is SO helpful! Thank you for the tips. 🙂

    1. VeiledFree

      Aww you’re welcome – I’m glad you found it helpful!

  3. camilleblock

    These are all such great tips! I’m a huge fan of saving early and shopping early too. If I see something that someone will like earlier in the year, why wait?

  4. Nangie

    This are awesome tips! I may be a starting late but it’s the effort that counts lol

  5. Claire Duarte

    wow love that idea about setting aside money into envelopes – that really helps make it so real!

  6. Stephanie

    These are awesome tips thank you!!! I always get overwhelmed thinking about holiday shopping and do things so last minute .

  7. Myranda B

    I love this budget plan. We plan for Christmas starting in January and set money aside each paycheck

  8. Diane Krause

    Hello lovely Ciara!!! Thank you for the great tips…I generally wait it seems and them am a bit overwhelmed. I really love Christmas…yes, our Savior is born, that is really, of course, what it is all about, the bottom line “reason for the season.” Physical/tangible gifts, in moderation, do add joy too. I love stocking stuffer items…I loved seeing everyone’s comments above. Take good care!!

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