Debt Payoff Printables
21 printable pages to get out of debt: snowball and avalanche worksheets, per-debt trackers, three colour-in thermometers and a debt-free certificate — US Letter and A4
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- 21 pages
- Formats: PDF · US Letter + A4 · colour + ink saver
- ZIP: 1.4 MB
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A complete paper system for paying off debt. The 21 pages take you from "I do not want to add it up" to a written plan: an inventory for 15 debts, a worksheet that ranks them by both the snowball and the avalanche method, a twelve-month payment plan across eight debts, and four per-debt trackers with 36 payment rows each — date, payment, interest and new balance, so you can see exactly how much of every payment is actually clearing the debt.
Page 2 is an honest comparison rather than a sales pitch. It runs the same four debts ($17,000 at $600 a month) through both methods and prints the real result: the avalanche saves $261 in interest, while the snowball clears a second account 12 months sooner. Gal and McShane's 2012 study in the Journal of Marketing Research found people were more likely to clear all their debt when they closed accounts one at a time — so the kit gives you both orders and lets you choose with the numbers in front of you.
Then there is the part that keeps you going: three colour-in progress pages (a 20-segment thermometer, a wall of 100 bricks and a 50-step mountain climb), a 36-month countdown, a milestones and rewards page, 30 concrete ways to find an extra payment, a no-spend challenge, a credit score tracker and a debt-free certificate to fill in at the end. Four print-ready PDFs: US Letter and A4, each in colour and an Ink Saver grey edition.
What you get
- 21 pages · 4 PDF files (US Letter + A4 × colour + Ink Saver)
- Debt inventory for 15 debts: creditor, type, balance, APR, minimum, due day — with debt-to-income and card utilisation calculators
- Snowball vs avalanche compared with real computed numbers, not slogans
- Debt order worksheet with both rankings side by side and a decision box
- 12-month payment plan across 8 debts, plus a roll-forward log for freed-up payments
- 4 per-debt payoff trackers, 36 payment rows each (date · payment · interest · new balance)
- Three progress pages to colour in: 20-segment thermometer, 100-brick wall, 50-step mountain
- 36-month debt-free countdown and an interest saved tracker with the arithmetic worked out
- 30 specific extra-payment ideas, a no-spend challenge and a milestones & rewards page
- Credit score tracker with a 12-month plot grid, monthly debt review and a debt-free certificate
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What's inside
Questions
Should I use the snowball or the avalanche?
Page 2 gives you both and the numbers to choose with. In the worked example — $17,000 across four debts with $600 a month — the avalanche costs $261 less in interest and both finish in 34 months, but the snowball clears a second account much earlier. If you have started and stopped before, the early wins are usually worth more than the $261. The kit prints both orders so you can decide, and it works either way.
Is this a physical product?
No — it is an instant digital download (PDF). Nothing is shipped. You print the pages at home or at a print shop and put them in a binder, on the fridge, or wherever you will actually look at them.
Which file should I print?
Use the US Letter files in the US and Canada and the A4 files everywhere else. Print at 100% / "Actual size", not "Fit to page". The Ink Saver versions are grey-only, for black-and-white printers or to save ink — the thermometers still work in pencil or highlighter.
What if I have more than four debts?
The inventory holds 15 debts, the order worksheet 12 and the payment plan 8 columns. There are four per-debt payoff trackers — print that page again for each extra debt. Since you attack one debt at a time, most people only need one or two trackers open at once.
Does it work on an iPad?
Yes. Import either PDF into GoodNotes, Notability, Noteshelf or any PDF annotation app and write on the pages with a stylus — the thermometers and the brick wall are made to be coloured in digitally too. This is a printable kit, so it uses page numbers rather than hyperlinked tabs.
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Personal-use license for one household. No resale or redistribution. Delivered as a ZIP download immediately after payment. No physical item will be shipped.
