Free Christmas Savings Challenge Printables
Christmas is one of those expenses we know is coming every year. And yet, between groceries, bills and all the other things that need our money, it can be easy to put off saving for Christmas.
These free Christmas savings challenge printables give you a simple way to start setting money aside. Whether you want to save a little at a time throughout the year or focus on a shorter challenge before the holidays, there are several options to choose from.
I like having a visual reminder of what I am working toward. There is something satisfying about coloring in another picture and seeing your savings grow!
Pick a goal that works for your family, print a tracker and start with what you can.
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What’s included in the Christmas savings challenge download?
This free PDF includes 12 Christmas savings trackers with different amounts, designs and ways to save.
You will receive:
- A $270 candy cane savings tracker. Color one stripe for every $5 you save.
- A $250 Christmas tree savings tracker. Save $10 for each of the 25 trees.
- A $500 Christmas tree savings tracker. Save $20 for each of the 25 trees.
- A $400 gift savings tracker. Color one present for every $25 saved.
- A $350 stocking savings tracker. Save the different $5, $10 and $20 amounts shown on the stockings.
- A blank Christmas tree savings tracker. Choose your own amounts for the 25 trees.
- A blank stocking savings tracker. Fill in your own savings amounts on the 30 stockings.
- A $450 Christmas tree savings tracker. Save the $10 and $20 amounts shown on the tree.
- A 30-day Christmas savings challenge to save $350. Set aside the $5, $10 or $20 amount shown on each stocking.
- A 30-day Christmas savings challenge to save $600. Save $20 a day for 30 days.
- A 12-month Christmas savings tracker to save $1,200. Save $100 a month and color in an ornament.
- A blank 12-month Christmas savings tracker. Set your own goal and choose how much each ornament represents.
All 12 pages are included in one download, so you can choose the Christmas money saving challenge that fits your budget.
The PDF is ready to print. Simply print the pages you want to use and fill in the blank options by hand.
How do you start a Christmas savings challenge?
Start by deciding what you want your Christmas savings to cover.
Are you saving for gifts for your kids? All the gifts on your list? Christmas meals, travel or a little of everything?
You don’t need to have every purchase planned, but having a dollar amount in mind gives you something to work toward.
Then, choose a tracker that matches your goal and the amount you can realistically set aside.
Each time you save the amount shown, color in that picture. Keep your Christmas money in a separate savings account or a designated cash envelope so you know what is available when you start shopping.
You can work through the pictures in order or choose an amount that fits your budget that week. If you have $5 to save, color a $5 stocking. When you have a little more room in the budget, tackle one of the $20 amounts.
Unless you are following one of the 30-day challenges, there is no set schedule. You can save weekly, on payday or whenever you have a little extra to put toward Christmas.
Can you use these trackers for a smaller Christmas budget?
Absolutely! That is why I included the blank Christmas savings trackers.
A printed savings goal is only helpful if it works for your budget. Choose an amount you can manage.
With the blank Christmas tree tracker, you could make each of the 25 trees worth:
- $2 to save $50.
- $5 to save $125.
- $10 to save $250.
You can also write different amounts inside the pictures. Some could be worth $1 or $5, while others could be worth $10 or $20.
The blank stocking tracker gives you 30 spaces to customize, and the blank ornament tracker gives you 12 spaces for a monthly savings plan.
You can even use one of the blank challenges to help your kids start saving for Christmas as well.
Try a 30-day Christmas savings challenge
If Christmas is getting closer and you want a shorter challenge, there are two 30-day options included.
The $350 Christmas savings challenge uses a mix of $5, $10 and $20 amounts. The $600 Christmas savings challenge has you save $20 each day for 30 days.
Before you start, take a look at your budget. Saving $20 a day adds up quickly, but it also requires room in your budget to set that money aside.
If those amounts are more than you can manage right now, use the blank stocking page to create your own 30-day Christmas savings challenge.
You could save $1 a day for $30, $5 a day for $150 or choose a different amount for each stocking.
You can also take longer than 30 days to finish. The tracker is there to encourage you as you save.
Save for Christmas throughout the year
If you would rather spread out your Christmas savings, try one of the 12-month ornament trackers.
The $1,200 version has you save $100 each month. Each time you set that money aside, color in one ornament.
Want a different goal? Use the blank version to plan your own monthly amounts.
For example, if you have a year to save…
- Save $25 a month for a $300 Christmas fund.
- Save $50 a month for a $600 Christmas fund.
- Save $75 a month for a $900 Christmas fund.
- Save $200 a month for a $2,400 Christmas fund.
And if you are starting partway through the year? That is okay. Choose a smaller goal or adjust the amounts for the months you have available.
Simple ways to find money for your Christmas savings
Sometimes deciding to save is the easy part. Finding the extra money takes a little more thought!
Here are a few places to start:
- Plan a meal from your pantry or freezer. If that helps you spend less than you budgeted for groceries, move the difference to your Christmas fund.
- Sell something you no longer use. Put the money toward your savings goal.
- Set aside a little on payday. Even a small amount gives you a regular place to start.
- Save an unexpected bit of money. A rebate, cash gift or extra bit of income can help you color in another picture. I love setting aside the cash I earn from Rakuten (more info here) to go towards Christmas shopping.
You don’t have to do all of these. Pick one thing that works for you and build from there.
Download your free Christmas savings challenge printables
Ready to start saving for Christmas?
All 12 pages are included in one PDF. Print your favorite tracker, choose your goal and color in the pictures as you set money aside.
For more ways to build a savings habit, try my free monthly savings challenge printables. There is a seasonal tracker for every month, with $5 challenges and blank options to customize.
And when you are ready to make your Christmas gift list, these ideas can help you stretch the money you have saved:
A little planning now can give you more breathing room when Christmas arrives. Choose a tracker and start saving what you can!
