Debt Snowball Worksheet

The worksheet people say they 'wish they found this sooner.' List debts smallest to largest — then watch each one fall. The snowball method works because momentum beats math: crossing off one small debt gives you the energy to tackle the next. This worksheet keeps that momentum visible. Twelve months of tracking across six connected pages: rank your debts → allocate minimums → target the smallest → celebrate the payoff → roll the payment to the next → watch the chain reaction. 9 pages, 6 sections, 48 checklist items. A4 & US Letter sizes. Costs less than the paper and ink — and a lot less than another year of minimum payments.