Debt payoff cards and savings cards in 3x5 and 4x6 index sizes

These debt payoff cards, with matching savings cards, are sized exactly to 3 by 5 and 4 by 6 inch index cards. Together they make a complete system that lives in a little box, instead of yet another full page tracker. The 29 undated pages hold nine designs in both sizes with crop marks, backs with lines or dots, and four tabbed dividers (Debt, Save, Wins, Review), in a US Letter and an A4 PDF.

It is an instant download. Nothing is shipped.

How debt payoff cards make progress visible

List all your debts on one card, then rank them on the order card, choosing snowball or avalanche. Every debt then gets a tracker card of its own with 40 boxes to shade as the balance goes down.

On the saving side, a goal card with 50 boxes, an emergency fund card that climbs from a small starter amount to six months of costs, and a twelve month sinking fund card keep each goal apart and easy to follow. Cards for days without spending, for your wins and for a monthly review show you what is working, and since every card stands alone, you only reprint the one you need.

Who these index card budget tools are for

• Anyone paying down credit cards, loans or medical bills who would like a small card for each debt
• People using the snowball or avalanche method who enjoy shading in their progress
• People saving toward an emergency fund, a specific goal and sinking funds side by side
• Index card fans who already use a budget planner and want a set of portable cards for debts and savings

Card sizes and design

• Elegant, minimal cards in white with soft blush pink accents that use little ink
• Wide margins, so a home printer will not trim anything
• Cut exactly to size along crop marks: 3 x 5 in cards (7.6 x 12.7 cm) fit three on a page and 4 x 6 in cards (10.2 x 15.2 cm) fit two, on either US Letter or A4 paper
• No dates and no currency symbols, so you can start in any month with any currency
• Print double-sided with flip on the long edge and the lined and dot backs match up with the fronts

Inside the debt payoff cards: 29 pages

1. 1Cover showing the contents
2. 2Guide to the system: five steps (list, order, track, save, review), a table of what each card does, plain explanations of the snowball, avalanche and rolling payment approaches, a checklist for a monthly money date, a few helpful rules and a reminder that this is not financial advice
3. 3Printing, cutting and setting up in four steps, the two sizes explained, what supplies you need, a table to locate every page and a tip for printing on both sides
4. 4 to 12Nine designs at 4 x 6 in, two on each sheet, crop marks included. The Debt list card holds 8 debts, each with what you owe, the interest rate, the minimum and the day it is due, plus totals for debt and minimums. The Payoff order card lets you pick snowball or avalanche and rank 7 debts with their balance, rate and minimum and a box to tick when paid, plus the monthly extra and where it goes. The Debt payoff tracker card has the name, opening balance, rate, minimum and the worth of each box, 40 boxes to color, a 4 line log of payments, the date you became debt free and your celebration. The Savings goal card shows the goal, the target, the worth of each box, the target date, 50 numbered boxes and a line for a reward. The Emergency fund card covers essential costs per month, the target, where the money is held, five steps from a starter amount to six months, and a 3 line log of withdrawals and top ups. The Sinking fund card notes the purpose, goal, due date and monthly amount, with twelve boxes for deposits, a 10 part bar to fill, the balance and what the money paid for. The No-spend days card has a dot for each of 31 days, what you still allow, what you are skipping, the total days, your longest streak and the money kept. The Money wins card has 9 lines for the date, the win and the amount saved or repaid, a running total and what makes you proud. The Monthly money check-in card covers earnings, spending, saving and debt repaid, the feel of the month, wins and struggles, next month's plan and which cards you updated
5. 13 to 14Lined and dot grid backs for the 4 x 6 in cards
6. 15 to 23All nine designs again at 3 x 5 in, three to a sheet with crop marks, with fewer rows so they fit the smaller card
7. 24 to 25Lined and dot grid backs for the 3 x 5 in cards
8. 26 to 27Tabbed card box dividers at 4 x 6 in: Debt, Save, Wins and Review
9. 28 to 29Tabbed card box dividers at 3 x 5 in: Debt, Save, Wins and Review

Files you download

• Debt Payoff & Savings Cards in US Letter, a 29 page PDF
• Debt Payoff & Savings Cards in A4, a 29 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

• This is a PDF you print and cut at home. No printed cards are sent.
• It is a digital product, so nothing physical is shipped.
• Printed colors may look a little different 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.
• The cards help you stay organized and are not financial, tax, legal or investment advice. For choices about debt, credit, consolidation or investing, please speak with a qualified professional.

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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