A real look
inside the workbook.

I N S I D E
CONTENTS
00 Welcome: the day you decide 04
P A R T O N E — F A C E T H E N U M B E R S
01 How debt really works against you 06
02 The debt inventory 07
P A R T T W O — C H O O S E Y O U R S T R A T E G Y
03 Snowball vs. avalanche 10
04 A worked example 11
05 Your payoff order 12
P A R T T H R E E — F U E L T H E P L A N
06 Find your extra money 14
07 Call your creditors 15
08 Traps that keep you stuck 16
P A R T F O U R — C R O S S T H E F I N I S H L I N E
09 The 24-month payoff tracker 18
10 Staying motivated 19
11 Life after your last payment 20
T O O L K I T
— Game Plan Rules · Commitment · Glossary 21
T H E D E B T - F R E E G A M E P L A N 03

0 0 W E L C O M E
THE DA Y YOUDECIDE.
Debt has a way of feeling permanent. The statements keep
coming, the balances barely move, and it’s easy to stop opening
the envelopes. But debt is just math — and math can be changed.
This workbook won’t shame you for how you got here. Medical bills, a job loss, a
car that died at the wrong time, years of getting by — most debt has a story. What
matters now is the plan.
Over the next pages you’ll put every debt on one page, pick a payoff method that
fits how you’re wired, find money you didn’t know you had, and track every win
until the last balance hits zero.
HOW TO USE THIS WORKBOOK
1 Gather your statements.
Every card, loan and bill you owe on. Log in online or dig out the paper.
2 Fill in every worksheet.
Honest numbers only. You can’t beat a debt you won’t look at.
3 Run your numbers online.
Use the free Debt Payoff calculator at omniedge.dev to compare snowball
and avalanche with your real balances.
4 Check in monthly.
Same day every month. Update the tracker and color in your progress.
O N E R U L E A B O V E A L L
Never miss a minimum payment. Every extra dollar goes to one target at a
time — but every debt gets its minimum, every month.
T H E D E B T - F R E E G A M E P L A N 04