12-Month Debt Payoff Tracker & Debt-Free Reset System | PDF + Google Sheets

DEBT-FREE RESET

Your 12-Month Debt Tracker & Payoff Workbook

Organize Your Debt • Build Your Plan • Track Your Progress • Take Back Control

Feeling overwhelmed by multiple balances, minimum payments, interest rates, and due dates?

THE DEBT-FREE RESET gives you one simple system to organize your debt, create a payoff strategy, track your payments, and see your progress over the next 12 months.

This bundle combines a beautiful interactive workbook with an automated Google Sheets tracker so you can plan your payoff strategy and keep your numbers organized as you go.

WHAT'S INCLUDED

📘 12-Month Interactive Debt Payoff Workbook

Use the workbook to:

✓ List and organize every debt

✓ Calculate your total debt

✓ Record balances, APRs and minimum payments

✓ Compare Debt Snowball vs. Debt Avalanche

✓ Create your payoff order

✓ Plan monthly payments

✓ Track principal and interest

✓ Find extra money for debt payments

✓ Plan for windfalls

✓ Complete a 30-Day Debt Reset

✓ Set 90-day goals

✓ Track your progress visually

✓ Stay motivated with milestones and reflections

📊 AUTOMATED GOOGLE SHEETS COMPANION

Track your debt digitally with:

✓ Debt Dashboard

✓ Debt Inventory

✓ Snowball ranking

✓ Avalanche ranking

✓ Payoff Strategy page

✓ 12 monthly payment trackers

✓ Automatic principal calculations

✓ Payment totals

✓ Interest tracking

✓ Progress calculations

✓ Extra-payment tracking

TWO WAYS TO USE IT

Use the PDF when you want to plan, reflect and work through your debt payoff journey.

Use Google Sheets when you want automatic calculations and an ongoing digital record of your payments.

Together, they give you a complete 12-month debt payoff system.

WHO IS THIS FOR?

This system is ideal if you:

• Have multiple debts to organize

• Want a clear payoff strategy

• Need help staying consistent

• Want to track payments in one place

• Prefer a structured 12-month plan

• Want to

visualize your progress

IMPORTANT

This product is an educational and organizational tool and is not individualized financial, legal, tax, or investment advice. Always verify balances, interest charges, payment amounts, and account terms with your creditors.

Digital product — no physical item will be shipped.