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One powerful Tool for getting out of Debt

Small goals are much more doable than big ol' honkin' ones.

Have you done the following with your kids? Or maybe you remember your Mom or Grandma doing it with you. "I know you're tired, but you can make it! Let's just see if we can make it to that tree (or sign, or whatever) right up there." And this repeats as long as it takes to get the child to the destination, whether it's a hike, or just walking all-the-way-to-the-car in the parking lot.

This works! Small goals are much more doable than big ol' honkin' ones.

People who climb giant mountains know this. Yes, the ultimate goal is the summit, but their daily focus is just to get to the next checkpoint.

This is why I loved using charts. Each debt had it's own chart and I could see my progress, knock out that goal, and then was totally ready to say "okay, who's next?" to my debts.

Seeing your progress is key, especially if you are a visual person. 










Sometimes numbers are just boring. For the number geeks, watching the numbers go down can be inspiring. But for the rest of us, seeing a chart being filled up is oh so much more inspiring!

So get a chart, any chart!

Of course I think Debt Free Charts are amazing (and over 25 of them are FREE!), something about seeing those giant words getting filled up just worked way better for me than a thermometer. But seriously, ANY CHART will help you see your progress, and feel it as you color it in.

It may be one of the simplest tools that makes one of the biggest differences in your progress.

But don't take my word for it, check out the Wall of Fame, showcasing the completely filled in charts of Debt Free Charts fans. Here are just a few:


If you think it's cheesy, that's ok, it kinda is, but I beg you to just try it with one debt goal, just one, and see what it does for you.

Then SHARE your success! Share how using a chart helped you (or perhaps didn't help you, but I doubt this will be the case), and encourage others to try it too.

I mean, if it doesn't work, nothing is lost, but if it does... holy moly, watch out debt!


Do you have a chart going? If so, is it helping you attack your debt? Share in the comments!

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Let customers speak for us

3818 reviews
Great resource to make finance visual and fun

I purchased and downloaded many of the money/debt tracking charts. I like that you can color them how you want or purchased color print versions. When I look at our finance board in our room it looks less daunting and more achievable just from these charts. Thank you for these wonderful resources to help us little people stay on track and keep our money strait!

6 Month Emergency Fund Tracking Chart

Visa Tracking Chart
Dana Anderson
Visa Debt

Super cute and specific to my goal to pay off my visa card

really great

I work in the finance industry - helping people who are struggling to pay their bills- these really help in breaking down the payments and giving people the visual sense of accomplishment

Debt Freedom Starter Pack
Sharon Windvogel
Debt Free Starter

I want to say thank you Heidi for these amazing charts. I love them and use it for everything. I have forms on my bathroom wall where i can see my progress. I currently have the Christmas chart and I'm saving for Christmas. I am almost halfway from my desired goal. Our currency in South Africa is in Rands and my current savings is R10 000. I have my daily challenges in order to save small amounts of money and it really adds up. Even saving R5 a day makes a huge difference . Coloring in those charts are fhe fun part because you can see the progress. Saving for a car as well. Have been driving my one for almost 14 years but I want to buy a car cash. Thank you for giving me the ability to do that. Then I have the 2 that I'm paying of debt. Progressing very well. I have shared these charts with my sister and friends and are super excited. Wish I could sent a photo of my charts. I'm super excited. Thank you Heidi. You have taken me to a place where I will be debt free one day. You have given me the tools to do that and I am ever grateful to you. May you be blessed in abundance for what you are doing for us..you are awesome