Pick a proven method, attack your balances in the right order, and watch every debt die on paper first — then in real life.
The Debt Payoff Planner is a 15-page printable workbook built around the two methods that actually work: the snowball (smallest balance first, for motivation) and the avalanche (highest rate first, for math). You’ll list every debt honestly, choose the method you’ll actually finish, then track every payment until the last balance hits zero.
What’s inside:
- Full debt inventory — every balance, rate, and minimum in one honest list
- Snowball vs. avalanche explainer and a “which method is right for me?” chooser quiz
- Snowball order and avalanche order worksheets — your attack sequence, written down
- 12-month payment tracker (months 1–6 and 7–12) with rollover check
- Extra-payment log for tax refunds, bonuses, and found money
- Payoff progress bars — shade a segment every time a balance drops
- Debt-free date calculator — turn “someday” into an actual date
- Milestone celebrations (free rewards only) and a staying-debt-free system
How it works:
- Instant PDF download right after checkout — no waiting, no shipping
- Print at home or at any print shop; reusable pages can be printed again and again
- Letter size (8.5 × 11 in); works on a tablet with a PDF annotation app too
- Unlimited personal prints — one purchase covers your whole payoff journey
Debt is a math problem, not a moral failure — and this workbook is the plan that fixes it, one payment at a time.





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