Face it before you fix it.
You can't build a plan if you don't know the full picture. This workbook makes you list every debt you owe, calculate your debt-to-income ratio, and see exactly how long payoff takes if you only make minimum payments. It's uncomfortable. That's the point. You need to see what debt is actually costing you — not just the balances, but the years and the interest. Awareness is step one.
What's Inside:
Tab 1: Face the Numbers — List every debt you owe. Who you owe, how much, the interest rate, minimum payment, and how far behind you are. All of it in one place.
Tab 2: Debt-to-Income Ratio — Add up your monthly income and your monthly debt payments, calculate your DTI percentage, and see what that number actually means for your financial health.
Tab 3: At This Pace — See how many years each debt takes to pay off at minimum payments, how much you'll actually pay in total, and how old you'll be when it's finally done.
This workbook is for you if:
You're carrying debt but haven't added it all up yet
You don't know your debt-to-income ratio
You've been making minimum payments and hoping for the best
You need a wake-up call before you can commit to a real plan
What you get:
3-tab Excel workbook (works in Excel, Google Sheets, or Numbers)
Completely free — no credit card, no catch
Real workbooks. Real substance. Yours free — with a session to go over it together. Ask anything, talk through your situation, take as long as you need.
Face it before you fix it.
You can't build a plan if you don't know the full picture. This workbook makes you list every debt you owe, calculate your debt-to-income ratio, and see exactly how long payoff takes if you only make minimum payments. It's uncomfortable. That's the point. You need to see what debt is actually costing you — not just the balances, but the years and the interest. Awareness is step one.
What's Inside:
Tab 1: Face the Numbers — List every debt you owe. Who you owe, how much, the interest rate, minimum payment, and how far behind you are. All of it in one place.
Tab 2: Debt-to-Income Ratio — Add up your monthly income and your monthly debt payments, calculate your DTI percentage, and see what that number actually means for your financial health.
Tab 3: At This Pace — See how many years each debt takes to pay off at minimum payments, how much you'll actually pay in total, and how old you'll be when it's finally done.
This workbook is for you if:
You're carrying debt but haven't added it all up yet
You don't know your debt-to-income ratio
You've been making minimum payments and hoping for the best
You need a wake-up call before you can commit to a real plan
What you get:
3-tab Excel workbook (works in Excel, Google Sheets, or Numbers)
Completely free — no credit card, no catch
Real workbooks. Real substance. Yours free — with a session to go over it together. Ask anything, talk through your situation, take as long as you need.
