Debt payoff booklet, a purse size plan you color in to debt free

This debt payoff booklet is a 24 page, purse size booklet you print and fold at home. It holds a debt list, a snowball or avalanche order, payoff trackers to color in, a payment log and milestones. The pages already sit in saddle-stitch order on landscape sheets, so you print on both sides, fold the pile in half and staple. The download is a 15 page PDF in US Letter, with half letter pages of 5.5 by 8.5 inches, and in A4, with A5 pages of 148 by 210 mm.

It is an instant download. Nothing is shipped.

How the debt payoff booklet keeps you motivated

No cutting is needed. Each page takes up exactly half a sheet, and the order is set so page 1 lies beside page 24 and page 2 beside page 23, with the numbers lining up the moment you fold.

Begin by writing down as many as 12 debts with their balance, rate, minimum and due day. Compare the snowball and avalanche approaches on a single page, then set your payoff order with a rollover table that shows each payment growing. A 100 square tracker for your total and a 20 box bar for each of 6 debts let you color in your progress, while the payment log, the month by month balance table and 12 check-in cards keep the numbers honest. Slim enough for a purse or bill folder, it stays beside your statements, and the milestone, paid off and life after debt pages remind you why you keep going.

Who this debt snowball booklet is for

• Anyone paying down credit cards, a car loan, student loans or medical bills who wants the full plan in one thin booklet
• People choosing between snowball and avalanche who would like both explained simply
• Visual savers who stay motivated by shading squares and bars as balances fall
• Couples and families who keep paper records beside the monthly bills
• Anyone who would rather make a purse size booklet at home with a printer and stapler

Design and folding

• Elegant, minimal pages in white with soft blush pink accents that use little ink
• Wide margins, so a home printer will not clip anything
• US Letter PDF: half letter pages (5.5 x 8.5 in), two to a side, on 11 x 8.5 in landscape sheets. A4 PDF: A5 pages (148 x 210 mm), two to a side, on landscape A4. The order is ready for saddle stitching, so no cutting
• No dates, so your payoff plan can begin in any month of any year
• Pink fold marks on each sheet, numbered booklet pages and staple marks in the center spread
• No currency symbols, so any currency works

Inside the debt payoff booklet: 15 PDF pages

1. 1Cover showing the contents and what you will find on each booklet page
2. 2Printing help: a table of PDF pages and sheets, how the sheets work, two-sided settings, a tip to print a test sheet, steps for manual duplex and a box to note your printer settings
3. 3Imposition and duplex guide with a front and back map for all 6 sheets, five steps (print, stack, fold, staple, check), advice on stapling without a long reach stapler and making a sturdier cover, and a 4 point check for your test sheet
4. 4 to 15The booklet, 24 pages on 6 sheets. A cover with contents and lines for your name and start date. Starting point: the date you begin, today's total debt, your debt free target date, why it matters to you, what you will do with the freed money, a support person, small rewards on the way and a signed and dated promise to yourself. My debts: 12 rows for each debt's type, balance, rate, minimum and due day, with total balance, total minimums, the highest rate and debts not yet in the plan. Snowball or avalanche: how each one works, when each one fits, a box to tick your method, why it suits you and a 4 point checklist before you begin. Payoff order: 10 rows with balance, rate, minimum and paid off by, and a 7 row rollover table showing the minimum, the amount rolled in and the new payment. Monthly payoff plan: planned and actual amounts for take-home pay, bills, groceries, a cushion, minimum payments and what remains for extra payments, where the extra goes and how much, 10 due dates and ideas to free a little more. A color-in tracker for total debt: 100 numbered squares, the starting total, the value of each square and dated milestones at 25, 50, 75 and 100 percent. Debt by debt across two pages: 6 cards, each with a starting balance, 20 boxes (one for every 5 percent paid), rate, minimum and paid off date. A two page payment log: 43 rows for date, debt, amount paid, extra and new balance, with totals for paid and extra. Balance by month: 12 months for 5 debts plus a total column, and what you notice. Two pages of 12 monthly check-in cards: month, paid this month, debt remaining and a win. Statement check: 15 rows for date, debt, interest, fees, rate and a note, plus questions for your lender. Extra money ideas: 24 to tick and a 6 row table of money you found. When life happens: cushion goal and current cushion, a 3 step emergency plan, 8 rows of surprise costs, ideas for feeling stuck and notes to your future self. Milestones: 10 with a reward and date reached (8 already named), free and low cost rewards you love and proud moments. Paid off: 6 cards with the debt, the date, how long it took and how it feels. Account details: 6 cards with the lender, website or phone, final 4 digits, due day and autopay yes or no. Looking back: months so far, total paid, debts cleared, 4 reflection prompts and two 1 to 5 scales. Life after debt: money freed each month, where it will go next, 5 habits that keep you debt free and your next money goals. A lined notes page. A back page with a debt free box (total paid off, debts cleared, how long it took, finish date) and notes

Your download

• Folded Debt Payoff Booklet in US Letter, a 15 page PDF
• Folded Debt Payoff Booklet in A4, a 15 page PDF
• Read Me First, a brief printing guide (PDF)

How to download and print

• Check out with PayPal, a debit or credit card, Apple Pay or Google Pay. Your download page opens as soon as the payment goes through.
• We email the same private download links to you, so you can download your files again later.
• Open the PDF in a free reader such as Adobe Acrobat Reader and print at 100% or Actual size.
• Print only the pages you need, as often as you like, for your own personal use.

Good to know

• The file is designed for two-sided printing and folding. It is not a hyperlinked digital planner, and paper, a cover and a stapler are not included.
• This is a digital product. Nothing is shipped.
• Printed colors may differ slightly from your screen.
• For personal use. Please do not share, resell or redistribute the files.
• Digital files cannot be returned. If a file will not open or print properly, email us and we will help right away.
• This booklet helps you track your own money. It is not financial, credit, tax or legal advice. For choices about debt, consolidation, credit or investing, please speak with a qualified professional.
• Printers line up the back of a sheet slightly differently, so try one test sheet on plain paper first.

How this was made

Designed and written by PetiteDiary. AI tools helped draft parts of the text, and some background scenes in the preview images were created with AI. Every page was designed, reviewed and checked before release.

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