Is the debt payoff planner really free?

Yes. The full 27-page planner is a free download. Enter your email and it arrives immediately, along with a short series walking you through how to use it.

Should I use the debt snowball or the debt avalanche?

The snowball pays smallest balances first and builds momentum. The avalanche pays highest interest rates first and saves the most money. The planner explains both so you can commit to the one you will actually finish. An abandoned plan saves nothing.

Can I print the planner?

Yes. It is formatted for standard US Letter paper with room to write in every table, so you can print it and fill it in by hand.

Should I still tithe while paying off debt?

This comes up constantly. The planner includes a Giving prompt for it, and we walk through the full question in our article on whether you should tithe while in debt.

Free 27-Page Planner

Get clear on what you owe. Then walk out of it.

Most people carrying debt have never seen the real total in one place. This Scripture-centered planner walks you from that first honest number all the way to a payoff plan you can actually finish.

Inventory every debt in one place
Choose snowball or avalanche with confidence
Find the extra payment hiding in your budget
Track 90 days of real progress

Send me the free planner

What’s inside

Eleven sections, built to be filled in

This is not a motivational ebook. It is a working document with tables, prompts, and trackers you write in, plus the Scripture to keep you steady while you do.

Debt Inventory

Name every debt in one place: balance, rate, minimum, due date. Clarity before strategy.

Monthly Money Snapshot

Income against expenses, so you can see the surplus that will actually fund your payoff.

Snowball or Avalanche

Both methods explained honestly, with space to commit to one and write down why.

90-Day Progress Tracker

Check in at day 30, 60, and 90. Watch the number move even when it feels slow.

Stewardship Check-In

Spending, saving, giving, contentment, faith. Debt payoff is spiritual work too.

Scripture & Prayers

Eight passages and four honest prayers for the seasons when you want to quit.

“The rich ruleth over the poor, and the borrower is servant to the lender.”
Proverbs 22:7 (KJV)

That is not a condemnation. It is a description of something God wants to help you walk out of.

Common questions

Is the debt payoff planner really free?: Yes. The full 27-page planner is a free download. Enter your email and it arrives immediately, along with a short series walking you through how to use it.
Should I use the debt snowball or the debt avalanche?: The snowball pays smallest balances first and builds momentum. The avalanche pays highest interest rates first and saves the most money. The planner explains both so you can commit to the one you will actually finish. An abandoned plan saves nothing.
Can I print the planner?: Yes. It is formatted for standard US Letter paper with room to write in every table, so you can print it and fill it in by hand.
Should I still tithe while paying off debt?: This comes up constantly. The planner includes a Giving prompt for it, and we walk through the full question in our article on whether you should tithe while in debt.

Still deciding where to start? Read what the Bible actually says about debt.

Freedom starts with one honest number

Download the planner, open Section 01, and write down what you owe. That is the whole first step.