When a decision comes down to paying off debt first or saving, you need your real payoff dates in front of you. This workbook lists up to 15 debts, compares the snowball and avalanche orders, and builds a month-by-month payoff schedule. It also includes a 12-page printable pack with thermometer trackers.
What is included
- A 12-page printable PDF (US letter, 8.5 x 11 in): debt list (blank and filled-in example), snowball and avalanche order pages, monthly payment tracker, debt thermometers (blank and example), check-in log, finding extra money checklist, goals and celebration page
- 1 workbook with six sample debts (.xlsx), so you can see every formula working
- 1 blank workbook (.xlsx) with the same formulas, ready for your debts
- The printable pages again as web pages (zipped), so you can reprint single pages any time
One-time payment, secure checkout by Stripe. You go straight to your download page after you pay.
Buy now, instant download $9.99 Please note. This is a digital download, no physical item ships. The formulas were recalculated and checked against an independent calculation, including ties, a zero-interest debt and a plan that never pays off. Interest is figured monthly (APR divided by 12) on a fixed minimum payment; real statements will differ a little. For personal use only; please do not resell or share the files. This workbook and these pages are organizing tools, not financial advice. Results depend on the numbers you enter. Never write account numbers or passwords here.
Looking for the bigger picture? Our Household Savings Audit and Decision Kit walks you through finding savings and deciding big purchases. This template is a good companion for tracking the result.
