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Listen to that Call to Show Up

Look at God. This map is showing all 143 countries (by province/state) where someone has downloaded a Debt Free Chart.


I did not make this happen. All I did was show up when I felt God calling me to step up.

The first chart I made was just for myself, and I could have kept it that way. Instead, I listened to that tug telling me to share it, that it might help someone else too..

This is beyond humbling. The only reason I share this is to be an example of what God can do when we simply listen and obey.

If you have that tug that you are supposed to do something that is of no benefit to you but will help another soul, please step up and follow that call. We have no idea how God can use us, each of us, to spread goodness throughout this world. I surely would never had a dream this big. I still don’t. But I’m showing up and letting God do His thing.

If I could give you each a hug, I would. Thank you for sharing Debt Free Charts and spreading them across the entire world ❤️❤️❤️

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“Now all glory to God, who is able, through His mighty power at work within us, to accomplish infinitely more than we might ask or think.” Ephesians 3:20 
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When I posted the above on Instagram the most common response was the word "Amazing" and I couldn't agree more. I am in awe.

But there was another response that stuck out to me, she said "You absolutely made this happen, give yourself more credit!" to which I responded "Thank you. But I didn’t make it happen. It happened on its own, I’m along for the ride. I had a part to play, and I did my part. God took card of the rest "

Really, truly, I played a PART, this wouldn't have happened if I had stayed in doubt, stayed in indecision. Instead of staying there, thinking that the way the charts helped me was just my thing and they wouldn't really help others, or that I didn't know what to do to spread the word more, I moved. I posted a chart in a forum. I put the links up on a (super ugly) blog. I put it out there. But it really did grow on it's own. For 8 years it grew without my knowledge. If you want to read more about that story, click here.

When it came to my attention that Debt Free Charts were affecting so many, I stepped up again, through the doubt, to do what I could to help even more people. I'm still doing that every day. 

So I take credit only for moving when I felt called to move, even though I doubted and wondered, and was overwhelmed. I moved. I took action. 

But the OUTCOME I do not control. None of us control the outcome of anything we do. What we can control is OUR OWN ACTION.

The Outcome is all God. 


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Sinking fund

I use this chart as a tracker for my property tax sinking fund. Love it!

Definitely brings me joy

I bought the book and now also have a download for years to come. Normally I'm not that good with planners, but this one I use every day. Probably because it is designed so well: it is pretty simple with lots of space to write on all the planning pages, just some doodles for decoration. For me that is just perfect! Then there are also pages for fun and making memories, which are more decorative, and therefore also fun to use. I think I'm in love...

Helpful trackers

They are great

Amazingly Generous!!

Heidi has provided a free and easy way to begin or continue your debt free journey using her charts. They make getting control of your finances fun! And instead of having to pay for everything, she provides them for free.

These make great gifts

I started using these when life got overwhelming and I felt as though I wasn’t getting anywhere. I stumbled upon this site and it has been a game changer! Started to see the light at the end of the tunnel. The visual aspects has kept me motivated. My kids young and older have joined in this journey. That was a blessing! I have even gifted to some other friends that were trying to climb out of debt and they have stuck with it! I so enjoy these and glad some are free and that she made books too. Free lets you try to see if it’s something that will work for you without wasting money on something that didn’t work. Thank you so much for all you offer! It has helped tremendously! I would definitely recommend a thousand times over.