The Debt Payoff Workbook: Snowball, Avalanche & a Plan You'll Keep (PDF)

For educational and personal use only. This workbook teaches general methods with invented examples. It is not financial, tax, legal or other professional advice; you make your own decisions. See kitson-workshop.pages.dev/terms.html.

Pick snowball or avalanche with real numbers, then build a month-by-month plan you can stick to.

WHAT'S INSIDE

- The same set of debts paid both ways, month by month, so you can see the real interest difference- How interest eats a payment, and how to find extra money to put toward debt- A month-by-month payoff plan, plus what to do when life gets in the way (setbacks, windfalls, lender calls)- 16 printable worksheets: debt list, method chooser, payoff plan, monthly check-in and more

WHO IT'S FOR

Anyone with credit card, car, student or personal loan debt who wants a clear plan.

FORMAT

Instant download: one PDF, US Letter, 45 pages, including printable worksheets. Written from scratch by Kitson Workshop; every worked example was checked with code.

HONEST LIMITS

Paying off debt still depends on your income and spending; the book shows methods, not guaranteed results. Figures in examples are invented. Pairs well with our Budget & Debt Payoff Planner spreadsheet.

WHAT SHOULD WE WRITE NEXT?

Email kit376351@gmail.com with the subject "Kitson idea". The most-requested topics get written next.

REFUNDS

Digital download. If the file won't open or isn't as described, email kit376351@gmail.com within 14 days and I'll fix it or refund you.