
I recently reviewed my accounts and revisited my debt overview list. I am now ready to make a game plan to really drill down on paying down these debts. If only a tool exists that can help me track my plan…Of course, I was excited about the opportunity to create a tool to solve my problem.
I created a Debt Repayment Plan printable for myself but after seeing a surge of interest on my debt free tools on Etsy recently, I decided that it’s a sign to share more finance management related tools on that platform.
It’s nothing extravagant, most of my digital products on Etsy are only priced around $2.20-$3.50. I’m more excited about the fact that my products are helping others take control of their finances than making big bucks.

I just started a new job and have recently changed my pay schedule from a bi-weekly to a set 15th/last day pay. I am riding the wave of excitement for this change all the way to becoming debt free! It’s much easier to plan my financial future now because of this new schedule.
I created this as a tool kit because it helps to use both tools together. One as an overview or a high-level view of your overall debt and the other as a detailed version of every debt.

See below for an example of the individual tracker. I wanted to track a couple of things as I pay down a debt:
- Account/Creditor name and how much the Starting Balance is when I started filling out this planner.
- Next, I wanted to know the payment-related information on this account. APR – to know how much interest is, Due Date – to know which pay period it would fall under, Minimum Payment – to know what’s the least payment I need to make in order to be current. Snowball Amount – this is for the debt free community who are paying off their debt using the snowball method. This just helps remind you what your current monthly budget for paying down a target debt.
- Next, I wanted to showcase some motivational information for me like the starting Credit Score and how it will change after the debt is paid off. The opinion on credit score varies for people but I still think it’s important to capture the change either way. Payoff Date Goal is a good reminder of when the deadline will be. Sometimes I like to write myself motivational quotes or write notes that remind me why I need to pay this off quickly so that’s the purpose of the Account Notes.

As you can see on my Etsy shop, I love payment trackers! I have a bunch on my store because it’s a great visual motivator to see progress they are colored in. I thought, why not integrate it into the design?
I purposely left space under the percentage so you can write down the amount as you go. You can also choose to color them in when you reach that milestone. It just adds another layer of excitement to a dull task.

Click here to get the Debt Repayment Plan Printable
If you have any suggestions or questions about the tool, don’t hesitate to message me on Etsy or Instagram. I love hearing about what you’d like me to improve on my tools. Although they initially started from my needs, these tools are made available to you so you can find joy and ease in managing your debt free journey.
I wish you the best in your journey! I am here to support you. I am the most active on Instagram so make sure to follow me for more motivational posts.

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