The Debt-Free Roadmap™ | Debt Payoff Planner + Budget Tracker + Money Mindset Workbook | Printable + Excel + Google Sheets

TAGLINE COURTE : The complete debt payoff system: a printable debt planner, a 9-sheet live Excel/Sheets budget tracker, and a 30-day mindset workbook. Pay off debt without the shame spiral. $27.

DESCRIPTION COURTE (à mettre dans le champ description Payhip) :

Pay off debt the right way — math AND mindset. Most debt-payoff plans fail because they treat debt like a math problem. It's not. It's a behavior problem disguised as math. The Debt-Free Roadmap™ fixes both layers: the math (with a planner and a live spreadsheet), and the behavior (with a 30-day mindset workbook that actually rewires your money story).

What's inside:

01 — Debt Payoff Planner (16-page PDF). Financial snapshot, debt inventory, the Snowball method ranked layout, the Avalanche method ranked layout, a giant printable debt thermometer with milestones, 12-month payment tracker, four cash stuffing envelope designs, sinking funds tracker, savings goals page, 30-day no-spend challenge, net worth snapshot, win tracker, monthly money date page. US Letter, GoodNotes ready.

02 — Budget Tracker (Excel + Google Sheets, 9 sheets, 165 live formulas). Auto-updating dashboard with KPIs (total debt, emergency fund, monthly savings, net worth, debt-free percentage). Zero-based monthly budget. Debt inventory with color-scale "% paid" tracking. Snowball vs. Avalanche calculator (interactive — enter your extra payment amount, see months to debt-free instantly). Sinking funds tracker. 60-row spending log. Net worth tracker with line chart. 30-day no-spend challenge sheet.

03 — Money Mindset Workbook (34-page PDF). The methodology behind the Debt-Free Roadmap (the four pillars: Clarity, Strategy, Behavior, Identity). 30 daily journaling prompts that rewire your money story (5–10 minutes each). Each day has a short reflection, a specific prompt, and lined writing space. Topics: earliest money memory, money triggers, shame audits, future-self letters, releasing financial blame, defining your "safe number." Plus a Day 31+ section.

For: adults paying off credit cards, student loans, medical debt; people who've tried "just budget" advice and bounced off it; couples who fight about money; freelancers; cash stuffing fans; Dave Ramsey followers.

Why it works: three intentionally interlocked layers (printable, digital, mindset). 165 working formulas. 30 days of real inner work. Premium quality at a mid-tier price.

Format: 3 files (~90 KB). PDFs in US Letter. Excel works in Excel, Numbers, Google Sheets. Lifetime access. Instant download.

Debt freedom is a marathon. You just took step one.