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How to Make Your Debt-Free Journey Fun

“Where do I start when paying off all my debt seems impossible?”

Fair question. If you’re anything like me at the beginning of my journey to debt freedom, you might be looking at piles of debt and thinking this is the impossible!  And, if you look at them all at once, it definitely can seem that way.

But here’s the trick: take one bite at a time. 

My friend used to say: “How do you eat an elephant? One bite at a time.” The same is true for debt. How do you pay off debt? One choice at a time.  

What's one small change you can make today to reach your goal of debt freedom? Is there a subscription you don't use that you can cancel? Can you buy low-cost frozen meals to take to work instead of eating out?

I bet there are several things you are spending money on every month that doesn't matter that much to you. Trim one of those out.

Start today. Start with one bite. Make small, incremental changes that add up over time. That’s what the journey to debt freedom is all about.

It probably won’t be a sudden windfall that propels you to debt-free land. It will be your choices every day, those little things that seem so small—but which, over time, add up.

That’s why I made the Debt Free Land chart with 100 spaces. It helps you track those little victories along the way that add up to big wins. It makes paying off debt feel like a game (especially if you're including the whole family!).

This chart gives you the motivation you need along the way. And the best part about it? It’s totally free.

This game-inspired chart is designed to make you feel like you’re in a competition with yourself. You might want to skip your morning coffee just to move closer to Debt Free Land.

I’m Ready to Play!

If you’re ready to play, download and print your chart, and then fill in the blanks:

First, write your total debt (or savings goal) in the top banner. 

Next, use a little simple math to calculate the amounts at the 25%, 50%, and 75% markers and write them in.

And finally, use the DFC Calculator to figure out how much each square is worth, and then record that number at the bottom of the page.

Then you’re all ready to start coloring! Each time you pay down the balance of your debt by 1%, color in a space.

You can use different colors for different debts, or color this chart in rainbow colors like the spaces of a game you might remember. I’ve even seen people use different colors for different months.

However you do it, you’ll have a brightly colored visual to represent your progress, and you’ll feel extra-motivated to kick your debt to the curb!

One note: be sure to track the current balance, not your payments. For instance, if you owe $1000, make a $200 payment, but only $150 goes to the principal, then you’d color $150 worth of spaces on your chart.

Bonus Play

  • Want to make paying off debt feel even more like a game? Hang your chart on your refrigerator or bulletin board and use a magnet or thumbtack as a game piece. Let the kids take turns moving the piece as you move toward your goal (or move it on your own—I won’t tell!). 
  • Write the incremental amounts in every space so you don't have to calculate how many spaces to color each time.
  • Use a different color each month so you don't have to calculate how many spaces to color each time.
  • Print it smaller for use in your planner (everything is cuter when it's small!).
  • Your little ones might want to color as well, so you might want to print an extra for them to color on their own!
  • Use this alongside my other game charts to track your progress for each individual debt.  This way you can get to coloring more often! Print out charts for your car loan, student loan, and credit cards

Debt payoff might seem exhausting at times. Keep your focus and get the whole family on board with this game-inspired chart.

Ready to play? Download your own Debt Free Land chart today!

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Let customers speak for us

2004 reviews
Amazing way to start a new year in a new way

I started off with checkbook registers as a child. I had microsoft money when I went to "grow up" with my first computer in the past before they discontinued it. It makes me sad as I did like that despite never using it for any budgeting purposes persay but having all my bills in it for a 12 month view made it pretty easy to "visually budget". I've tried quicken for pc and for mac and it's okay until they force me to upgrade to the next year version. I've tried simple excel worksheets and complex ones. NOTHING seems to keep me motivated now that I'm getting serious about getting out of debt. I started this at the beginning of 2021. I downloaded several of Ms. Nash's bundles and separate sheets and what I've found that works for me is a mixture of them all (despite some being pretty much the same thing but slightly different). Going back to what first worked... I incorporated all her forms with a simple checkbook register (but printed on computer paper instead of the tiny book) and it's all in a binder. I went fancy with the heavy duty "better" binder from staples and pre-printed monthly dividers. I've colored in nearly all the monthly quotes which definitely make me think and make things more fun. I bought colorful erasable pens and what I've found by pulling out this book which is mostly Ms. Nash's charts, I'm actually looking forward to having some "color time" while updating bills/income/etc and I spend more time paying attention to the numbers than I ever had before. I second guess purchases to make myself not have to "write" as much down AND.... I'VE GOT MY HUSBAND ON BOARD!!! By putting it on paper with all my "silly colorful charts", my husband is looking at them and pulling the book out on his own to look at how things are going. In our 8 years of marriage and 10 years of being together, honestly, I've always handled the money stuff and he just expected things to work out. When stress of "how is this going to end up" when I started my Dave Ramsey journey a few years ago, it definitely doesn't work well when only one is on board. Finally, this method has brought us together. Granted, he DOESNT write anything at all down, but he's very interested in seeing how we made the goals and what we're looking like through the month. We are dreaming of the future for the first time! SO EXCITED!

I love the Debt Free Chart

Amazing Tool...Easy to use, keeps you accountable, you see the results and you want to keep going. I do recommend using this chart.

Exactly what I needed - 30 day challenge

Sometimes you need a short time based goal to kick you into gear and get you to focus on a 30 day challenge, 1 day at a time. This pack is exactly what you need. And I needed. Sometimes it’s just easier to focus on a 30 day goal to keep you going into long term changes. This pack is perfect, love it.

Create a habit!

I love these charts! They say it takes 30 days to create a habit, well this chart will keep me on track for that! So excited.


I keep coming back for more charts.