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JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECLADDERMETHODROLLUPDEBTACCTINTERESTCARDSSCOREDEBTLEFT
GoalsJanuary 2027
The climb
Started
Extra each month
Debt-free by
The ladder, first rung at the bottom
The climb so far
Owed at the start
Cleared so far
Interest saved
Rungs cleared
What debt-free will change
What’s inside · 8 kinds of page
Debt payoff ladder
The climb
Started
Extra each month
Debt-free by
The ladder, first rung at the bottom
The climb so far
Owed at the start
Cleared so far
Interest saved
Rungs cleared
What debt-free will change
Debt payoff ladder
Snowball or avalanche
The choice
Date
Extra each month
Going with
Snowball: smallest first
No.DebtOwed
12345678910111213141516Snowball: first debt gone
By
Interest on the way
Avalanche: highest rate first
No.DebtRate
12345678910111213141516Avalanche: first debt gone
By
Interest on the way
Snowball or avalanche
Snowball roll-up
The plan
Method
Extra to start with
Rung by rung
RungDebtMinimumRolled inNew paymentStarts
12345678The roll-up, as steps
102030405060708090100
EACH STEP IS WORTH
THE GOAL
When a rung clears
The reward for each rung
Snowball roll-up
Debt ledger
The account
Debt
Lender
Rate
Every payment
DatePaidInterestOff what I oweStill owed
Paid off so far
STARTED AT
PAID OFF
OWED NOW
INTEREST SO FAR
CLEAR BY
Where the payments went
To interest
0%50%100%
Off what I owe
0%50%100%
Of the whole debt
0%50%100%
Calls, letters and rate changes
Debt ledger
What interest costs
The check
Checked on
Interest a month, all debts
Highest rate first
No.DebtRateOwedA monthA year
12345678Share of each payment that is interest
Debt 1
0%50%100%
Debt 2
0%50%100%
Debt 3
0%50%100%
Debt 4
0%50%100%
Moves to make it cheaper
Ask for a lower rateMove the debtCombinePay extra
Ask for a lower rateMove the debtCombinePay extra
Ask for a lower rateMove the debtCombinePay extra
Ask for a lower rateMove the debtCombinePay extra
What I asked and what they said
What interest costs
Credit card use
The cards
Month
Total limit
Total in use
Every card
CardLimitOwedStatementDuePaid
Share of each limit in use
Card 1
0%50%100%
Card 2
0%50%100%
Card 3
0%50%100%
Card 4
0%50%100%
All cards
0%50%100%
Paid this month, card by card
In fullPartMinimum
In fullPartMinimum
In fullPartMinimum
In fullPartMinimum
Cards to close or cut up
Credit card use
Credit score
The score
Checked with
Starting score
Aiming for
The score, a column a month
What changed it
MonthScoreUp or down because
Kept up, month by month
1234567891011121314
Credit score
Debt left, month by month
The span
Owed at the start
Debt-free by
Owed, a column a month
Month by month
MonthPaidExtraClearedLeft
A quarter gone, half, three quarters, all
Debt left, month by month
More in Finance
Studio pick
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Savings goals
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$3.99Saving for the known unknowns
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BillsListsNotes
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HomePlanner
Income, expenses, savings, totals‹›
Income
Total
Fixed expenses
Total
Variable spending
Total
Savings goals
Total
Debt payments
Total
Total in
Total out
Saved
Left over
Money Minimal
$3.99One budget, no clutter
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