Why this debt tracker works
Paying off debt is a long, invisible grind — and invisible progress is the easiest kind to give up on. This tracker makes it visible: assign each square a dollar value, colour one in every time you clear that amount, and the page fills up as the balance falls. Stick it on the fridge for a daily nudge.
How to use it
- Print the PDF (US Letter or A4) and write your debt and starting balance at the top.
- Decide what each square is worth so the grid adds up to your balance.
- Colour in a square for every payment. A full grid means a zero balance — and a very good day.
