Make several copies of this worksheet—one for each company or credit card you owe money to. Then, list how much money you owe to each creditor and how much you will pay off each month.

Soon, if you make steady payments, you will see the amount you owe decrease. It will shrink even faster if you pay something extra whenever you can. Put your worksheets in order with the highest interest rate first.

When you've paid off one debt, congratulations! Celebrate your progress, and then start using that money to pay off another debt.

Creditor: ________________________ Debt is for: ______________________