Debt Payoff Tracker

A debt payoff plan and a working monthly budget in one file - roughly half of it is budgeting and bills, because paying down debt fails when the budget underneath it does not exist. The snowball tracker has six numbered debt rows: creditor, balance, APR, minimum payment, payoff goal date, and a done box. You list smallest to largest, pay minimums on all of them, and put everything extra on the top one. Totals for total debt, monthly extra payment and your debt-free target date. Underneath is a progress bar you check off one box per 100 dollars paid, or per whatever milestone you choose. The monthly budget splits into fixed essentials - housing, utilities, groceries, transport, insurance, phone and internet - and flexible and goals - debt payment, savings, dining and fun, personal, subscriptions, giving. Every line has a planned column and an actual column, so you see the gap rather than guess at it. Plus income sources, where you can cut this month, and a five-point end-of-month check. The bill tracker lists each bill with due date, amount, whether it is on autopay, and a paid tick, with a monthly total. Separate boxes for annual and irregular bills to set aside for monthly, and subscriptions to review or cancel. The savings page has an emergency fund goal with a grid you fill one square per ten percent saved, five sinking funds (holidays and gifts, car and repairs, vacation, annual bills and renewals, medical and dental), a no-spend day counter, and a space for what you learned. Five pages including the cover, 141 fill-in form fields, US Letter and A4 both included. Editable on screen or printable. A budgeting worksheet, not financial advice.