The Debt-Free Year
Find your first $200
Go through last month's statement with three highlighters: need, want, forgot I was paying for.
Most people find $200 in the third colour alone.
5The exact system I used to pay off $38k, turned into a 12-month workbook.
List your debts, pick snowball or avalanche, and follow one page a month. Ten minutes a week is enough.
What's inside
6 sections, 36 pages- List everything you owe3 pages
- Snowball or avalanche: pick your method4 pages
- Find your first $200 a month5 pages
- 12 monthly plan and review pages18 pages
- Payoff tracker and milestone chart4 pages
- Staying debt-free2 pages
Take a look inside
The Debt-Free Year
Month 1 plan
Minimums on everything. Every extra dollar goes to one debt. Write its name at the top of this page.
9This is for you if
- You have credit card, car or personal loan debt
- You want a simple monthly routine
Skip it if
- You need professional debt counselling or are facing bankruptcy
Made by Sofia Reyes
I'm not a financial advisor. I'm someone who got tired of feeling sick every time I checked my bank app, and built a system that worked for me.
My planners are simple on purpose: if it takes more than ten minutes a week, you won't keep doing it.
See everything from SofiaQuestions
How do I get it?
Right after you pay, you'll see a download button and get an email with your link. It works on phone, tablet and computer.
Is this financial advice?
No. It's the system that worked for me. For advice on your situation, talk to a licensed professional.
What if it's not for me?
Email me within 30 days and I'll refund you in full. No forms, no questions.
A month-by-month plan to clear your debt.
The Debt-Free Year, Printable PDF, 36 pages.