FINVYN

Debt Payoff Starter Checklist

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You cannot fix what you have not listed. This page turns "I owe money" into a plan you can see.

List every debt

Creditor: ________ Balance: $________ APR: ____% Minimum: $________ Due date: ________
Creditor: ________ Balance: $________ APR: ____% Minimum: $________ Due date: ________
Creditor: ________ Balance: $________ APR: ____% Minimum: $________ Due date: ________
Creditor: ________ Balance: $________ APR: ____% Minimum: $________ Due date: ________

Set the order

Avalanche: pay minimums on all, extra money to the HIGHEST APR first (saves the most interest).
Snowball: extra money to the SMALLEST balance first (quick wins, more motivation).
Pick one method and write it here: ________

Automate and protect

Autopay at least the minimum on every account.
Build a starter emergency fund so one surprise does not restart the debt.
Pause new charges on the card you are paying off first.
Review this page on the 1st of every month and update balances.

Disclaimer: This checklist is for educational and informational purposes only. It is not financial, investment, tax, or legal advice. Always do your own research and consult a qualified professional before making financial decisions. FINVYN — Make Money Make Sense.