All debts — the big list type directly in the cells, then press “sort” in the toolbar
| # |
Who / what (card, loan, store…) |
Total balance |
Min. payment |
APR % |
Target payoff date |
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| Total owed | | | | |
The battle plan fill after sorting — smallest balance is target #1
| Order | Debt | Balance | Money freed / rolled over from |
|---|
| 1st | | | |
| 2nd | | | |
| 3rd | | | |
| 4th | | | |
| 5th | | | |
1 · Minimums alwaysEvery debt gets its minimum payment every month, no matter what. Snowball happens on top of this.
2 · Attack #1Throw every spare dollar at the smallest debt. When it dies, its payment rolls onto target #2.
3 · Track momentumColour one box below per payment. Watching the wall fill is what keeps you going.
Payment momentum grid — one box per payment made (cross off #50 for the trophy)