
Most debt trackers give you blank boxes and wish you luck. This one gives you the plan too.
I paid off $60K of debt with a simple system: know the numbers, pick one target, and keep a record. This is that system, in one fillable workbook.
Inside (21 pages):
Debt overview to see every balance, rate, and minimum in one place
Snowball vs. avalanche, worked through with a real example, so you can choose with confidence
A payoff order worksheet to name your first target
A "find extra money" page and a bills and subscriptions audit
3 word-for-word call scripts to lower a rate, lower a bill, or waive a fee
Payoff logs to record every payment until the balance hits zero
A weekly money date, a monthly progress page, and a plan for the bad months
A "when you want to quit" page for the hard days
Educational content only, not financial advice. Results vary.