how i paid off $32k in debt in 18 months

and you can too (with the right tools)

how i paid off $32k in debt in 18 months (free spreadsheet inside)

Download the exact budget template and debt tracker I used. Takes 5 minutes to set up.

"this spreadsheet literally changed my relationship with money" — @debtfree_jenny

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what's inside the spreadsheet

🎯 debt payoff tracker

auto-calculating snowball and avalanche methods. see exactly how fast you can get debt free.

💰 monthly budget template

built-in savings goals and spending categories. designed for people actually in debt.

📊 the 50/30/20 rule

customized for your situation. income, taxes, debt — we account for all of it.

💳 credit score checklist

30/60/90 day action plan. simple steps to fix your credit while you pay off debt.

🚨 emergency fund calculator

how much YOU actually need. not the generic "6 months" everyone talks about.

📈 progress tracking

watch your net worth climb. charts, graphs, and milestones to celebrate wins.