Debt Free Christmas Tracking Chart

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Christmas, Christmas, Christmas! It's a wonderful time of the year, full of travel, family and gift giving. But that doesn't mean it's a time to reach for those credit cards. Use this chart to track your savings goal progress and pay cash for Christmas!

Also can be used as a Christmas Countdown chart, begin it September 16th.

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This journal is simple and not got a lot of "to do's" to fill in, Or a lot of awkward and complicated questions to feel in daily. You are in charge with this one. Just draw the things you really love and are grateful for and your brain will register that

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