• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
Image Map
  • Home
  • Podcast
  • About Us
    • Our Story
    • Contact
      • Blogger DIY Project Submission
      • Contact Us
      • Guest Post Submission
      • PR, Advertising and Partnerships
      • Brands and Media That We Have Worked With
      • Speaking Events
  • Frugal Living
    • All Things Frugal
    • Homemade Products Gallery
    • Garden
    • Family Life
    • Travel
      • Travel Tips & Resources
      • Travel Deals & Coupons
    • Savings
      • Find Your Store Deals
      • Freebies
      • Deals
  • DIY
  • Finance
    • All Things Finance
    • Finance Tips & Resources
      • Meeting Your Financial Goals
      • Managing Household Finances
    • Dropping Debt
    • Making Money From Home
    • Over 100 Ways to Earn Extra Income
    • Our Financial Journey
  • Recipes
    • All Recipes
    • Produce Tips
    • Breakfast Ideas
  • Printables
  • How To Blog
    • Start Here
    • Resources
    • Detailed Blog Income Reports

3-6-9 Debt-Free Christmas Savings Plan with FREE Printable: How To Bank $900 Extra For Christmas

This post may contain affiliate links. Please read our disclosure policy here.

October 3 by Cassie 28 Comments

debt-free-christmas-savings-printable-plan-checklist-ideas

It seems a little early to be talking about Christmas. I mean at this point, we are at the beginning of October and fall really just started, just barely sipping our hot cider and settling into a warmer start to the autumn season.

However, you need a Christmas Savings Plan to have a debt-free Christmas. 

This has been one of the more popular Christmas savings plans throughout the years that we have created for our readers and so we wanted to remind you to dust it off and get going (or print more for free!). 

Talking about Christmas seems to put big damper on the rest of the summer. It’s a killjoy! You know the feeling when you walk into the stores and they start putting Christmas stuff out in October, many, including us, seem to stop and say “SERIOUSLY!”

I was in Hobby Lobby the end of July, and they already had Christmas stuff up! It does make sense for a craft store, because being a hobbyist myself, you need a few months to make your projects so you can start selling them during the October and November craft shows. But it is still sorta depressing to talk about, see it and have it floating around you in the middle of summer.

But the truth is…if we DON’T talk about it now, if we don’t think about it now and if we don’t plan for it now, it will be a killjoy during Christmas time.

We have spent the last 13 Christmases debt-free. Basically, ever since we have had children, our Christmases have been debt-free. How ironic is that? When it was just the two of us, we went in debt for Christmas. Then we had cute little human beings, a time when many generally spoil and go “all-out.” Yes, we did it backwards.

How we went deep in debt for Christmas early in our marriage

In fact, I remember our second Christmas together very well. We lived a few hours from a big city. We decided that it would be really fun to stay in a downtown hotel and shop the expensive downtown mall and specialty shops for the Black Friday weekend.

After celebrating Thanksgiving with extended family, we hopped in a car and drove 3-hours south and stayed downtown for a couple of nights and shopped for two-days. We had no budget, we had no plan, we just wanted to buy gifts for each other, friends and family in the big city. And that’s what we did. As long as we could pull-out a credit card that was accepted, it was all good.

We honestly, to this day, don’t know how much we spent that Christmas or the four Christmases we had without kids. But we can tell you, those debt-filled Christmases caused us so much headache, trials, stress and frustration for many of the following years as we were still paying the bills from the previous Christmas as the next Christmas season hit.

It wasn’t until we realized that we were going to be parents that the reality of our situation really hit us.

How we have debt-free Christmases

From that point forward, we were determined to have a debt-free Christmas. And for those few Christmases where we were paying off our $108K of consumer debts, they were very low-spending Christmases, but very blessed because they were debt-free, they were not as focused on the material possessions and a time of renewal and understanding about the season.

And even today, being debt-free and heading into our 6th Christmas without any debts at all, we still avoid Christmas debt and plan. We actually save a little from the first paychecks of the year. It’s easier for us to save a little starting January 1, then saving a lot more towards the end of the year.

However, no matter where you are in your Christmas savings – whether you have a nice pocket of funds or haven’t started at all – this is where we want to help!

No matter how close we are to Christmas, you can follow the 3-6-9 plan!

What is the 3-6-9 plan?

It stands for $300, $600 or $900. When we were in debt and working hard to pay it off, we had $300 Christmases. We can’t say it was the easiest to fit in presents, food, special events and all for $300, but it also made the challenge a fun game. We also had little kids at the time.

The THREE biggest things that helped us stay in this $300 budget with kids was the fact that we started shopping in August – October. Last year’s toys and the toys would be on major markdowns and clearances. Why? The short story is that the stores (like Toys R Us) are clearing shelves and inventory to make room for the “hottest toys of the season.”

We go into more detail about this in this article titled: How To Save Money on School Clothes and Christmas Presents Right Now.

The second thing that is huge for us are garage sales, classifieds and used items. We don’t personally see any issue with gifting second-hand items as gifts. If it is something they want, something they would use, why pay an arm and a leg for a new label or packaging? Our children receive VERY nice gifts that we found at garage sales and in the classifieds online and groups on Facebook.

You can read more on this topic here (click the picture to be taken to the article):

is-it-ever-ok-to-give-second-hand-toys-to-your-kids

The third thing is making handmade gifts, especially for extended family like grandparents, parents, each other, friends, etc. We have many handmade gift ideas on our site in our DIY section, as well as on our Handmade Gifts Board on Pinterest.

A tip if you currently have $0.00 in Christmas Fund

If you haven’t started at all, consider having a penniless week! Thousands of our readers have participated in these penniless weeks with us. This is a “jumpstart” savings and a great way to boost your Christmas fund FAST! It’s also a fun challenge!

At the end of 7-days, most everyone has had $200-$350 extra! And anyone can do this for 7-days! It may be more difficult for some, but it’s a great activity and character building opportunity for all!

Read about how the Penniless Challenge works below:

join-us-for-penniless-week-challenge

Time to start the savings!

Finally, it’s time to start saving! Whether you want an additional $300, $600 or $900 for Christmas, we have a weekly savings plan for you!

And this plan can be adjusted, meaning if one week the most you can contribute is $17, the GREAT! If you shoot for $17, but can actually contribute $34 – or even $50 – that’s GREAT! It’s made to be flexible and at the minimum, provide you with $300 extra dollars to add to whatever you may have!

How this works

how-to-save-900-for-christmas-savings-plan

Simply print off this savings plan sheet. Starting this week, save either $17, $34 or $50.

filling-out-3-6-9-christmas-plan

Select which one you will be putting into Christmas savings by circling the amounts. Select multiples if you have the extra money to contribute, or use the second space to write in a different amount than the $17, $34, $50. Then write your current total on the last line with the circled amounts and any extra amount you put in.

close-up-3-6-9-christmas-savings

This is a fun, visual way to see what you have and what you can spend to have a debt-free Christmas.

finished-3-6-9-plan

Print off your 3-6-9 Christmas Savings Plan below:

<== Download your printable 3-6-9 Christmas Savings Plan HERE

Additional Tips for a Debt-Free Christmas

Here’s some additional articles to help and encourage you to have a nice, debt-free Christmas (just click on the image to be taken to the article):

how-to-have-a-nice-christmas-when-you-are-broke-tips

ideas-to-earn-extra-money-this-holiday-season

clever-ideas-to-earn-money-this-holiday-season

how-to-save-500-by-christmas

Finally, we have a 17-page Christmas Planner to help you intentionally decide where you $300, $600 or $900 Christmas savings will be spent, along with planning your time during the Christmas season. You need to grab your Christmas planners to have a full plan to save time, money and sanity!

17-page-christmas-and-holiday-planner

Filed Under: Christmas, Daily Dose of Thrifty, Downloads, Frugal Living, Holiday, Managing Household Finances, Meeting Your Financial Goals

Previous Post: « How I Made $200 in 48-Hours
Next Post: Pull Apart Peanut Butter and Jelly Monkey Bread »

Reader Interactions

Comments

  1. Henry Mosley

    Hi, just writing to say that before Christmas I read your post and it helped me a lot, the 3-6-9 system was quite effective and I used it all the time. I think a lot of people who had time to read the article before the holiday had a very good time without too much stress and worries about spending. So I was able to make all my loved ones and even my girlfriend happy, even though I thought I would have to cut back on spending. I can tell you more about my experience if anyone wants to contact me in a shagle online chat and leave your email. Have a great holiday season everyone, and thank you Cassie very much.

    Reply
  2. sarasharma

    I really think this excellent website wants much more consideration. Thank you for sharing.

    Reply
  3. ASAP Finance

    Very interesting and helpful post. At our work, we very often post useful information that helps our customers save money! And I think this will also become a number of good ideas! But first I will try it on myself and my family and if it really works, I will recommend this method to my clients!

    Reply
  4. auspiciousrolls

    As someone who enjoys crafting for fun, I can attest to driving directions the fact that it makes sense for a craft shop to open in the spring, since it gives crafters time to prepare their wares for the fall craft fair season (October and November).

    Reply
  5. Robert Ramirez

    the spring, since it gives crafters time to prepare their wares for the fall craft fair season (October and November).

    Reply

    Reply
  6. Jane Grant

    If essay writing has always been one of the most challenging assignments for you, and choosing a trusted essay writing service has been even more complicated undertaking, https://www.writingpapersucks.com/essaypro-com-review/ is the platform to consider.

    Reply
  7. territorial io

    We should always share good content because such kind of content can cause of our success, and we can improve ourselves. So, be ready for getting success.

    Reply
  8. Whencode

    Christmas this year is over. Any ideas can be saved and saved lolbeans for next year.

    Reply
  9. Johny Quid

    That’s actually a good plan, but I can tell you that if you have more than one source of income, you can just save money from your additional source, and that’s it. At least, that’s what I started doing after I discovered http://usforexbrokers.com/ and became a trader. Of course, it took me some time to start profiting, but it was all worth it.

    Reply
  10. slope unblocked

    Learn how to have $900 extra for Christmas spending with this free printable plus many tips and tricks for a debt-free Christmas.

    Reply
  11. graliontorile

    Thank you for your whole labor on this website. My mom really loves making time for investigation and it’s really obvious why. A lot of people notice all relating to the compelling tactic you render practical things via your blog and in addition increase participation from other individuals on that idea then our own daughter is in fact starting to learn a lot of things. Enjoy the remaining portion of the year. Your carrying out a splendid job.

    Reply
  12. dunia 777 slot gacor

    Hі to every body, іt’s my first go t᧐ see of this weblog; tһis weblog consists of amazing аnd actually good
    data in favor of visitors.

    Μy bllg post :: dunia 777 slot gacor

    Reply
  13. Rankdle

    I’m starting the 3-6-9 debt-free Christmas savings plan now. I hope it will work out this time because usually I keep spending more.

    Reply
  14. Ronaldgailt

    With thanks. Numerous data.
    write my essay for me no plagiarism buy nursing essays custom essay writers

    Reply
  15. Ronaldgailt

    Cheers. I appreciate this!
    write literature review for me pay for a research paper do my essay reddit

    Reply
  16. Ronaldgailt

    Lovely info, Cheers.
    can i pay someone to do my essay pay to do my essay for me best essay writer

    Reply
    • Feras Holounia

      I Like this [site](https://thethriftycouple.com/3-6-9-debt-free-christmas-savings-plan-with-free-printable-how-to-bank-900-extra-for-christmas/comment-page-1/#comment-1438905)

      Reply
  17. james anderson

    Thank you for sharing this valuable Christmas savings plan! Starting early and staying debt-free is key. Your personal journey and tips are inspiring. Here’s to a budget-friendly and joyful holiday season|
    File Divorce in New York city

    Reply
  18. Rosalee Leuschke

    Your writing has a way of resonating with me on a deep level. It’s clear that you put a lot of thought and effort into each piece, and it certainly doesn’t go unnoticed.

    Reply
  19. Cross-platform development

    Teamwork reflecting a successful marketing technology stack – each element working harmoniously.

    Reply
  20. Armand Labadie

    This is an excellent article with valuable information. The detailed explanations and clear structure make it easy to follow.

    Reply
  21. Corey Hall

    After perusing your most recent responses and experimenting with the cookie clicker game, I believe I now have a fundamental understanding of how it operates. I look forward to conducting additional tests to determine how I can make everything function. Many thanks to each of you!

    Reply
  22. tipobot porn

    tipobot porn

    Reply
  23. Quotes

    We recommend exploring the best quotes collections: Loved Quotes From Great People

    Reply
  24. Candy Clicker

    Interesting. I will try to apply this plan for this Christmas.

    Reply
  25. lol beans

    To tell you the truth, I thought that was an exceptionally good post. Reading it during my lunch break was a very enjoyable experience for me. I found it to be very enjoyable. There is no question in my mind that Will will be appearing on this blog on a more regular basis. We are grateful that you are willing to share.

    Reply
  26. Snow Rider 3D

    Christmas savings plans might seem early, but planning now prevents holiday debt later. This 3-6-9 plan helps bank extra cash. Imagine using that saved money to buy gifts or even a new gadget to play Snow Rider 3D during those cozy winter nights. Debt-free Christmases bring peace of mind, making the season truly joyful. Starting early ensures a stress-free and fulfilling holiday.

    Reply
  27. Kyle Linel

    Refrigerated https://mcdonaldpaper.com/astra-cwf10x15-9-10-l-x-14-9-w-x-7-7-h-commercial-walk-in-cooler-with-floor/ will provide power, scale and reliability in one device. Designed for intensive use in the food industry, it provides stable storage conditions even under high loads. A well-thought-out assembly system and excellent thermal insulation make it a profitable investment in food safety and business efficiency.

    Reply

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Primary Sidebar

  • Email
  • Facebook
  • Instagram
  • Pinterest
  • RSS
  • Twitter

Read About Our New Book

Read About Our New Book

Check Our Our Podcast!

Check Our Our Podcast!

Get a Deal on Our Book Now!

Looking for Inspiration?







Our Most Popular Articles

Our Most Popular Articles

Copyright © 2025 · The Thrifty Couple · Please check out our Privacy Policy and our Disclosure Policy.