The number you avoid is the number that controls you.
Write every debt down once. See what the interest really costs. Choose snowball or avalanche, build the payoff order, find the extra money, make the calls. Then pay the plan every month and color the countdown.
You pay the minimums and the balance doesn’t move.
Minimums are designed that way. What moves a balance is an order, an extra amount, and a page you color when it goes down. Not a spreadsheet you dread. A countdown you can see.
- You don’t know the total. You’ve been careful not to.
- Four cards, two loans, no order.
- “Extra money” feels like a myth.
- You’ve never called to ask for a lower rate.
The planner does the honest hour with you, picks the method, finds the extra, scripts the call, and tracks every payment to zero.
49 pages. Zero balance.
Set it up once. Pay the plan monthly. Color the squares.
The honest hour
Debt inventory, the cost of interest, snowball vs avalanche (and hybrid), payoff order with your debt-free date, the extra-money finder (cut · sell · earn), lower-rate call scripts, your why and the debt-free promise.
One per debt
A 100-square tracker to color and a payment log for each of up to eight debts.
The payment plan
Minimums, the extra, the snowball roll, paid ✓, balance after. One page a month.
All debt, 100 squares
A 52-week tracker, milestones and rewards, progress bars, and the page for your first free month.
What to say
Word for word: lower the rate, waive the fee, set up the plan. Call log included.
Undated, tappable
Start any month. Clickable contents for GoodNotes. Letter and A4.
Real pages from the PDF, exactly as you’ll print them.
One hour. One order. One square at a time.
The method is simple. The page is what keeps you doing it.
honest hour
Everything you owe, on one page, with the real interest cost. The worst part, done first.
order
Snowball for momentum, avalanche for math, hybrid if you want both. Your debt-free date, on paper.
squares
Each debt gets a grid. Color a square per payment. Watch it end.
Launch pricing
Instant download after checkout. One payment, no subscription, yours forever.
Planner
- Debt-Free Payoff Planner (49 pages)
- Inventory · method · 8 debt trackers · 12 payment plans · countdown
- Start Here guide (printing + iPad setup)
- Letter & A4 · personal use
Planner + Hustle
- Everything in Planner
- Side Hustle Planner: earn the extra payment
- 12 phone wallpapers, one a month
Debt-Free Library
- Everything in Planner + Hustle
- Debt-Free & Discipline Kit (44 pages): no-spend and impulse trackers
- The Budget Planner, undated (94 pages)
Prices in USD · Digital PDF, nothing ships · Questions? hello@wealthyherpress.com
The Complete Wealthy Her Library
Every Wealthy Her Press product, including this one, in a single download. Plus every product we publish from here on, free.
- The Wealthy Her Planner 2027 + Undated
- All five planner bonuses
- The Abundance Vault (4 journals)
- 1000 Money Affirmations
- The Manifestation Kit
- Savings Challenges + 30 Mini
- The Budget Planner + Paycheck
- Debt-Free Payoff Planner
- Vision Board Kit 2027
- Your Wealthy Year + 90-Day Sprint
- Money Blocks Workbook
- Holiday Side Hustle Kit
- 365 Days of Abundance
- Wealthy Habits Tracker
- 7-Day + New Year Money Reset
- 156 phone wallpapers + Library Guide
One payment · delivered by email · yours forever
If it doesn’t open, we make it right.
Digital files are delivered instantly, so all sales are final, but we stand behind every page. If a file won’t open or anything is missing, email hello@wealthyherpress.com and we’ll fix it or refund you. No forms, no drama.
Educational and reflective content, not financial advice.
Before you buy
Snowball or avalanche?
Both are explained with a worked example, and there’s a hybrid. Snowball pays smallest balance first (momentum), avalanche pays highest rate first (less interest). The planner helps you choose in ten minutes.
How many debts does it track?
Eight individual debt pages, plus an all-debt countdown. If you have more, print extra pages.
Is this a physical product?
No. It’s a digital PDF. Print it at home or at a print shop, or use it on an iPad or tablet. Nothing ships.
How do I get my files?
Right after checkout you’ll see a download page, and a link also arrives by email within minutes. Download on a computer or tablet for the smoothest experience.
Does it work with GoodNotes?
Yes. Import the PDF into GoodNotes, Notability, Noteshelf or any PDF annotation app. The contents page is tappable.
Letter or A4?
Both. Every page is designed to print on either with “fit to page”.
Can I print it more than once?
Yes, as many times as you like for yourself. Please don’t share, resell or redistribute the files.
Your first free month is a date, not a wish.
One honest hour. One order. One square at a time. Start this month.
Instant download · Letter & A4 · GoodNotes-ready · Designed by Wealthy Her Press