Three printable pages that turn "I should pay off debt" into an actual plan: a debt snapshot with your payoff order, a bi-weekly paycheck budget, and a 30-day kickstart checklist. Free PDF, US Letter, printer-friendly ink. No signup required.
Download the free starter kit (PDF)
3 pages · US Letter · print at 100% scale · works in any PDF reader
Page 1 - Debt Snapshot & My Freedom Date. List every debt you owe with balances, APRs and minimums, then choose your payoff order: snowball (smallest balance first) or avalanche (highest rate first). One page of honest numbers beats a year of vague intentions.
Page 2 - Bi-Weekly Paycheck Budget. Most Americans are paid every two weeks. This page gives each of the 26 paychecks a job before it arrives, with a dedicated line for the extra dollars that go straight at Debt #1.
Page 3 - 30-Day Kickstart Checklist. Twelve concrete actions for your first month, plus a four-week check-in table. Momentum is a system, not a mood.
The kit is the paper half of a system. The screen half is free:
The starter kit is the free half of The Debt-Free Binder, a 12-page printable system that adds snowball and avalanche trackers for every debt, a full-year bill tracker, sinking funds, the 52-week savings challenge, and a debt-free certificate for the day you finish. It lives in our shop: PennyWise Paper Co.
A printable does not pay off debt; behavior does. The binder works because writing a number by hand is harder to ignore than a notification, and because a page on the refrigerator argues with you at the exact moment the credit card would win. Print it, put it where you will see it, and let the calculators do the math you should not do in your head.