Every December the gift list lives in three places: a note on your phone, scribbles on an envelope, and the bank statement that arrives too late. This tracker puts all of it in one file and does the math. Five tabs, no macros, works in Excel 2007+ and Google Sheets. Gift List holds 60 rows. Pick the recipient from a dropdown, set their budget, log what you paid. Budget Summary rolls that up per person and flags OVER the second someone passes their cap, so the flag lands before the credit card does. The verdict line compares your total against the ceiling you set on Setup, which is how you find out whether December fits your wallet. Card List & Address Book handles the card route: 40 rows, one per household, with a Yes/No sent column and a mail flag that trips once the date passes your mail-by line. Ideas Log parks the half-decided stuff and rates it, and anything scoring 4+ moves onto the shortlist. A 4-page printable planner ships with it: 60 gift lines and 40 card lines with tick boxes, black and white, toner-safe. The paper goes in your bag and the workbook keeps the running total. Sample data loads so every number works before you type a thing. A planner pack gives you pages to fill by hand. This one adds itself up, which is the part that matters in the last week of December.