Get the facts
List balances, APRs, minimums and due dates. Separate what you know from what you still need to check.
Free workbook · Debt Payoff Kickstart
A clear first month
for paying off debt.
Turn “I need to deal with this” into a plan you can start. This free workbook helps you organize your debts, protect upcoming bills and choose a payment you can repeat.
- Get your balances, APRs and due dates in one place.
- Find room for progress without skipping upcoming bills.
- Choose a payoff approach and a weekly check-in.
Created by Sam Krupit, AFC®, the coach you work with at Goalpost Finance. Practical financial coaching for individuals and couples nationwide.
Get your free workbook
Six pages. Fill it in on your device or print it.
Your next step
Your workbook is ready.
We've received your request for an email copy. You can download it now:
Download Debt Payoff Kickstart (PDF)Save a copy before filling it in. Your completed worksheet stays in your file.
A practical 30-day starting point
Four weeks. One manageable step at a time.
You can move through the workbook at your own pace. It gives you space to write, decide and come back to your plan.
Make room safely
Map the next payday, upcoming bills, known future costs and a checking cushion before choosing extra payments.
Choose your approach
Compare avalanche and snowball. Use a payoff estimate as a scenario, then pick a manageable payment.
Make it repeatable
Review what happened, adjust one thing and schedule the next check-in. A workable plan can change.
Try this before you download
Open your latest statements and write down the balance, APR, minimum payment and due date for each debt. Then mark what is due before your next payday. That is enough for your first sitting.
Is this the right starting point?
This workbook is for people who can work on a repayment plan and want a calmer starting point. If you cannot cover essentials or minimum payments, contact your creditors early and review nonprofit credit counseling or other appropriate help before choosing an extra-payment target.
The calculators are free to use. An email address is only needed if you request an email copy or download through the form above.
A different goal?
Little or no debt? Work on spending, saving and a routine you can keep.
How does the PDF work?
Download it, save a copy, and fill in the fields in a PDF reader. Or print it and write by hand. Your completed workbook is not uploaded to Goalpost.