The same method on paper. Fourteen pages you can print and fill in with a pen — or type straight into on your computer, then print. Your accounts, your cards, your bills, and one page for every payday.
↓ DOWNLOAD THE BOOKLETPDF. Print it in plain black and white, or type into it first. Nothing to sign up for. Nothing to pay, now or later.
Three pages to read, and the rest are yours to fill in.
Checking, savings, and what is already spoken for in the next seven days. What is left is the only honest answer to “how much can I send to a debt today?”
Every debt in one table: limit, balance, the room still left on the card, the payment, and how many months until it is gone.
Your closing day is not your due date. This page shows you the window you actually have to work with.
Every bill, down to the smallest one, and which account or card pays it. With the column that asks: are you still using this?
One page for every payday. Money that arrives on the 15th does not pay a bill that left on the 3rd.
Blank copies of the three pages you will need more than once. Print as many as you like.
Working on a computer? The spreadsheet holds forty debts and does the maths for you.
GET THE FREE SPREADSHEET