2026 Debt Clarity Worksheet 1 of 4

Debt Clarity Worksheet — Start Here (Form 1 of 4)

A gentle beginning for people who feel overwhelmed and unsure where to start.

If you feel anxious about money…

If budgeting apps feel too complicated…

If you’re tired of advice assuming you’re “doing it wrong”…

This worksheet is for you.

The Debt Clarity Worksheet is designed to help you slow things down, reduce overwhelm, and create immediate awareness—without judgment, shame, or complexity.

This is not a budget.

This is not a spreadsheet marathon.

This is simply clarity.

What this worksheet helps you do:

✔ See your cashflow for the current pay period

✔ Identify one primary credit card to focus on

✔ Understand and apply the Park It → Chunk It → Spend It → Repeat system

✔ Use a credit card intentionally as a tool

✔ Take one calm step forward instead of freezing

What’s inside:

• Section 1: Cash Flow Awareness

A simple snapshot of what’s coming in and what’s going out—no projections, no pressure.

• Section 2: The Primary Card Finder

Clear guidance to choose the one card you’ll focus on first, so you’re not spinning in circles.

• Section 3: The System

A step-by-step explanation of the method I teach on my YouTube channel AskMeHowIBudget, written in plain

language you can actually follow.

Who this is for:

• People overwhelmed by debt
• Anyone who’s tried budgeting and quit
• Visual learners who want simple explanations
• Those ready for progress—but not perfection

✨ This worksheet works beautifully alongside my YouTube videos, but it also stands on its own.

You don’t need motivation.

You need clarity.

This is where you start.