Gift budget planner
Holiday, shower, birthday — gift spending disappears fastest of all budgets, because every single purchase feels small. This planner lists each gift against a cap and does the arithmetic: what's spent, what's left, and whether the cap survived October.
Round numbers lie. "About $200 for the holidays" quietly becomes $340 because nobody counts the teacher's gift, the secret-santa floor, or $12 on ribbon — exactly the paper this planner replaces. I list every gift the moment I pick it, immediately with its price, so the running total is real while there's still time to adjust.
When the plan says over, three honest levers: trim a small line, buy one gift the handmade way (the gift guides list what's worth making and what's worth buying), or raise the cap on purpose instead of discovering the number in January. A baby shower cap lands differently from a Christmas cap — plan each list separately, the way the baby shower shelf differs from the holiday one.
For the supplies behind any handmade line on this list, the cost calculator counts what the making itself takes.