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The Debt Freedom Blueprint
A PDF guide and a live Excel workbook. Put every debt you have on one page, see what the minimums are actually costing you each month, and find out which debt to hit first. Built by a mathematics professor, given away free.
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They are also right here, so you do not have to wait:
What is inside
Tab 1
Debt Inventory
Every balance, rate, minimum payment and due date in one table. Color-codes each debt by APR risk as you type.
Tab 2
Assessment Snapshot
Fills itself in. Total owed, your highest rate, what the minimums cost you every month, and what is due next.
Tab 3
Quick Wins
Ranks your top ten actions by urgency, found automatically from the numbers you entered. Work down the list.
The workbook does the arithmetic. You only type what you owe.
The number most people have never seen
Almost nobody knows what their minimum payments cost them per month in interest alone. Not the total, not the payoff date: the monthly bleed. The snapshot tab puts that figure in front of you in about ten minutes, and it is usually the number that changes what someone does next.
One thing it will not do
It will not give you a payoff date. That is deliberate, not an oversight. A date needs a full amortization of every debt against every scenario, and that is what the calculators are for. They are free too.
The workbook tells you where you stand. The calculators tell you where you are going.
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