Debt Payoff Planner & Workbook | Printable PDF Download

The holidays are over. The balances aren’t. This 22-page printable workbook takes you from “how bad is it?” to a clear payoff plan, a 31-day January reset, and a cash fund for Holiday 2027.

You loved people well this season. Now let’s take your direction back.

If you opened your statements this January and felt your stomach drop, you’re not alone. More than a third of shoppers took on holiday debt last season. This isn’t another pretty planner you’ll abandon by February. Every page moves you one step closer to a real finish line: the day your holiday debt is gone.

Inside the workbook:

Part 1 · Face It

Holiday Damage Report: see what the season really cost, planned vs. actual

Debt Inventory: every balance, rate, minimum, and due date in one place

Money Snapshot: find your monthly “Payoff Fuel”

Part 2 · Choose Your Path

Snowball or Avalanche? A quick quiz to pick your payoff method

My Payoff Order with a roll-over example

4 color-in payoff trackers

Payment Log

Part 3 · The January Reset

31-Day No-Spend Rules with your own Yes and Pause lists

31-Day Reset Calendar

Emotional Spending Trigger Log

Holiday Look-Back reflection prompts

The Pause Card: a cut-out wallet card with the 24-hour rule

Part 4 · Your 2027 Money Reset

My 2027 Money Vision

Holiday 2027 Cash Fund

12-Month Debt Countdown

Milestone Celebrations at 25%, 50%, 75%, and 100%

Monthly Check-In

Certificate of Completion

Perfect for you if:

You overspent this holiday season and want a plan, not guilt

You’re an emotional spender who wants to understand your triggers

You’ve tried budgets before and quit

You want to start 2027 with direction

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Details

22-page printable PDF, US Letter (8.5" x 11")

Instant digital download. No physical item will be shipped.

Print at home or at a print shop, and reprint the Check-In and Payment Log pages as often as you need.

This workbook is for educational and personal planning purposes and is not financial advice. For personal use only.