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Sarah B.
I have been using a Clever Fox Budget Planner for two years now. I find myself keeping better track of things writing them down vs tracking things online. It has a defined layout, monthly reviews, pages for goals, a debt list, a savings list and a place to plan a Christmas Budget. I used last years Christmas budget as a template for this years and set myself a goal to save that much for this year. I have enough saved to cover Christmas this year without adding debt! I found this was really valuable for me. You can find this planner on Amazon for $19.99.