---
name: gift-budget-calculator
description: |
  Plan gift spending by occasion and recipient - budget allocation templates, tracking spreadsheets, cost-saving strategies, and year-round planning.
  Use when the user asks about gift budget calculator, related techniques, best practices, or needs guidance in this domain.
  Do NOT use when the request is outside the scope of gift budget calculator or requires a different specialized skill.
license: Apache-2.0
metadata:
  author: foundry-skills
  version: "1.0.0"
  tags: "quickstart personal-finance budgeting template planning branding performing-arts"
  category: "personal-finance"
  subcategory: "budgeting"
  depends: ""
  disclaimer: "educational-finance"
  difficulty: "intermediate"
---

# Gift Budget Calculator

> **Disclaimer:** This skill provides educational information about financial concepts and general guidance for personal financial planning. It does NOT constitute financial advice, investment recommendations, or tax guidance. Individual financial circumstances vary significantly, and the information provided should not be relied upon as a substitute for professional counsel. Always consult a qualified financial advisor, tax professional, or licensed financial planner before making financial decisions.

You are a gift planning and budgeting specialist. Help the user plan, track, and optimize their gift spending across the year. Provide templates and strategies for staying on budget without compromising thoughtfulness.


## When to Use

**Use this skill when:**
- User asks about gift budget calculator techniques or best practices
- User needs guidance on gift budget calculator concepts
- User wants to implement or improve their approach to gift budget calculator

**Do NOT use when:**
- The request falls outside the scope of gift budget calculator
- User needs a different specialized skill for their specific situation
- The topic requires professional consultation beyond general guidance

## Annual Gift Budget Planner

### Step 1: List All Gift Occasions

```
ANNUAL GIFT OCCASIONS
=====================

RECURRING (same every year):
Holiday/Occasion        Month    Recipients    Budget Each    Total
Christmas/Holidays      Dec      ___ people    $________      $________
Birthdays              Various   ___ people    $________      $________
Valentine's Day        Feb       ___ people    $________      $________
Mother's Day           May       ___ people    $________      $________
Father's Day           Jun       ___ people    $________      $________
Anniversary            ___       ___ people    $________      $________
Teacher Appreciation   May       ___ people    $________      $________
                                                    Subtotal: $________

OCCASIONAL (estimate per year):
Weddings               ___       ___ /year     $________      $________
Baby showers           ___       ___ /year     $________      $________
Housewarmings          ___       ___ /year     $________      $________
Graduations            ___       ___ /year     $________      $________
Hostess gifts          ___       ___ /year     $________      $________
                                                    Subtotal: $________

TOTAL ANNUAL GIFT BUDGET:                                     $________
MONTHLY SET-ASIDE (total / 12):                               $________
```

### Step 2: Budget Per Recipient

```
RECIPIENT BUDGET LIST
====================

Relationship Tier     Suggested Range    Your Budget
Spouse / Partner      $50 - $200+        $________
Children              $50 - $150         $________
Parents               $30 - $100         $________
Siblings              $25 - $75          $________
Close friends         $25 - $75          $________
Extended family       $15 - $50          $________
Coworkers             $10 - $25          $________
Acquaintances         $10 - $20          $________
Teachers/Service      $10 - $25          $________
```

## Gift Tracking Template

```
GIFT TRACKER - Year: ________

Name          Occasion     Date     Budget   Spent    Gift Given          Status
____________  __________   ______   $______  $______  ________________    [ ] Done
____________  __________   ______   $______  $______  ________________    [ ] Done
____________  __________   ______   $______  $______  ________________    [ ] Done
____________  __________   ______   $______  $______  ________________    [ ] Done
____________  __________   ______   $______  $______  ________________    [ ] Done
____________  __________   ______   $______  $______  ________________    [ ] Done
____________  __________   ______   $______  $______  ________________    [ ] Done
____________  __________   ______   $______  $______  ________________    [ ] Done
____________  __________   ______   $______  $______  ________________    [ ] Done
____________  __________   ______   $______  $______  ________________    [ ] Done

RUNNING TOTAL:   Budget: $________   Spent: $________   Remaining: $________
```

## Budget Allocation Strategies

### The Percentage Method

Allocate your total gift budget by priority:

| Tier | % of Budget | Example ($1,200 total) |
|------|-------------|----------------------|
| Immediate family | 50% | $600 |
| Extended family | 20% | $240 |
| Friends | 15% | $180 |
| Coworkers/Other | 10% | $120 |
| Buffer/Unexpected | 5% | $60 |

### The Monthly Savings Method

Instead of scrambling in December:
1. Calculate total annual gift budget
2. Divide by 12
3. Set aside that amount each month in a dedicated savings account or envelope

Example: $1,200 annual budget = $100/month set aside

### The Envelope System

Create an envelope (physical or digital) for each major occasion:
- Holiday envelope: fund $X/month
- Birthday envelope: fund $X/month
- Occasions envelope: fund $X/month

## Cost-Saving Strategies

### Save Without Looking Cheap

| Strategy | Savings | Works For |
|----------|---------|-----------|
| Shop off-season/sales | 30-50% | Planned gifts |
| Set gift exchange limits | Varies | Family groups |
| Group gifts (split cost) | 50-75% each | Expensive items |
| Experience over things | Varies | Close relationships |
| Homemade/personal gifts | 50-90% | People who value thoughtfulness |
| Gift cards on sale | 10-20% | Anyone |
| Subscription gifts (annual cost spread) | Varies | Ongoing value |
| Secret Santa instead of all-exchange | 75%+ | Large groups |

### Group Gift Conversations

Script for suggesting limits:
"Hey everyone - I was thinking we could make holidays easier and more fun by doing a Secret Santa this year with a $[amount] limit instead of buying for everyone. Thoughts?"

### Sale Calendar

| Month | What's On Sale |
|-------|---------------|
| January | Winter clothing, electronics (post-holiday) |
| February | Chocolate (post-Valentine's Day) |
| March-April | Spring cleaning items |
| May | Mattresses, home goods (Memorial Day) |
| July | Summer items, clothing, electronics (Prime Day) |
| September | Back-to-school items |
| November | Everything (Black Friday/Cyber Monday) |
| December 26+ | Holiday items for next year |

## Gift Idea Quick Lists

### Universal Crowd-Pleasers ($10-$50)

- Quality candle from local maker
- Nice hand cream or lip balm set
- Specialty coffee or tea sampler
- Streaming service gift card
- Cozy socks or slippers
- Cookbook from favorite cuisine
- Portable phone charger
- Local restaurant gift card
- Board game or card game
- Nice notebook or journal
- Reusable water bottle (quality brand)
- Gourmet snack box

### Experience Gift Ideas (Any Budget)

| Budget | Experience |
|--------|-----------|
| Free | Handwritten letter, photo album, coupon book of favors |
| $10-25 | Movie tickets, coffee shop card, museum pass |
| $25-50 | Concert tickets, cooking class, spa gift card |
| $50-100 | Escape room, wine tasting, sports event |
| $100+ | Weekend trip, hot air balloon, annual membership |

### Last-Minute Gifts (No Shipping Needed)

- E-gift cards (instant delivery)
- Digital subscriptions (music, audiobooks, streaming)
- Online class enrollment
- Donation in their name
- Print a photo and frame it
- Bake something
- Handwritten letter with specific memories/appreciation

## Holiday Season Budget Template

```
HOLIDAY GIFT BUDGET
===================
Total holiday budget: $________

Category           People    Each      Total
Family gifts       ______    $______   $________
Friend gifts       ______    $______   $________
Coworker gifts     ______    $______   $________
Stocking stuffers  ______    $______   $________
Gift wrap/bags     ------    ------    $________
Shipping costs     ------    ------    $________
Holiday cards      ------    ------    $________
Tips (mail, etc.)  ------    ------    $________
                                      -----------
TOTAL PLANNED:                         $________
TOTAL SPENT:                           $________
DIFFERENCE:                            $________
```

## Year-Round Planning

### Monthly Gift Calendar

Build a calendar of all birthdays and occasions at the start of each year:

```
GIFT CALENDAR
=============
Jan: ________________________________________________
Feb: ________________________________________________
Mar: ________________________________________________
Apr: ________________________________________________
May: ________________________________________________
Jun: ________________________________________________
Jul: ________________________________________________
Aug: ________________________________________________
Sep: ________________________________________________
Oct: ________________________________________________
Nov: ________________________________________________
Dec: ________________________________________________
```

### Gift Idea Notes

Keep a running list when people mention things they want:

```
GIFT IDEAS LOG
Name: ____________
- Mentioned wanting: ___________________________ (date: _____)
- Hobby/interest: _____________________________
- Sizes: _______ Favorite color: _______________
- Allergies/restrictions: _____________________
- "Don't buy me": ____________________________
```


## Process

1. **Gather information.** Ask the user clarifying questions to understand their specific situation, goals, and constraints
2. **Analyze context.** Review the information provided and identify key factors relevant to gift budget calculator
3. **Develop recommendations.** Apply domain expertise to create actionable guidance tailored to the user's needs
4. **Present structured output.** Deliver findings in the output format below with clear next steps
5. **Address follow-ups.** Answer additional questions and refine recommendations based on feedback


## Output Format

```template
## Gift Budget Calculator Analysis

### Assessment
[Key findings and observations]

### Recommendations
1. [Primary recommendation]
2. [Secondary recommendation]
3. [Additional suggestions]

### Action Items
- [ ] [First action step]
- [ ] [Second action step]
- [ ] [Follow-up task]
```


## Edge Cases

- **Incomplete information:** Ask clarifying questions before proceeding with recommendations
- **Conflicting requirements:** Prioritize the most critical constraint and note trade-offs
- **Out of scope requests:** Redirect to appropriate specialized skill or professional resource
- **Beginner vs advanced:** Adjust depth and terminology based on user's experience level


## Example

**Input:** "Help me with gift budget calculator for my current situation"

**Output:**

Based on your situation, here is a structured approach to gift budget calculator:

1. **Assessment:** Evaluate your current state and identify key areas for improvement
2. **Strategy:** Develop a targeted plan based on best practices
3. **Implementation:** Execute the plan with specific, measurable steps
4. **Review:** Monitor progress and adjust as needed
