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Planners
Fresh Start: Debt Payoff + Lean-Month Budget
Fresh Start: Debt Payoff + Lean-Month Budget is a Google Sheets debt payoff planner and budget template for families on one income, between jobs, or earning a different amount each month. It works out your debt-free date with snowball, avalanche or your own order, budgets on your leanest month, and audits subscriptions. It will cost US$9 and works in USD or CAD. It's and not on sale yet.
What's included
- Dashboard: debt-free date, months to go, interest saved, next debt to knock out, plan vs minimums chart
- Debts: up to 10 debts, snowball / avalanche / custom order, and up to 6 planned lump sums
- Budget with a lean-month helper (last 6 months, lowest month) and an above-lean income split
- Subscription audit for up to 40 charges, with savings totals
- 60 monthly check-ins and a month-by-month payoff schedule
- Sample data for a made-up family and a PDF quick-start guide
How it works
- Click "Make a copy" in the PDF while signed in to Google.
- List your debts and pick snowball, avalanche or your own order.
- Type your last six months of income so the budget uses your lean month.
- Check in once a month to see if you're ahead of plan.
Preview
FAQ
Questions about the Fresh Start: Debt Payoff + Lean-Month Budget
Do I need Excel?
No. It runs in free Google Sheets on computer, tablet or phone.
Snowball or avalanche: which is better?
Avalanche usually costs less interest; snowball gives quicker wins. Flip the dropdown to see both for your own debts.
My income changes every month. Will this work?
Yes. That's what the lean-month budget is for.
Is this financial advice?
No. It's a planning tool; interest is estimated monthly at APR ÷ 12.
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