Debt Free Charts Blog

Progress is Better than Perfection: Danielle's Story

Paying off debt, saving money, and reaching big money goals are easier to accomplish when you have support (from family of friends) or have seen s...

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Why Your Emergency Fund is NOT a Savings Account - And What Ours Looks Like

There’s a misconception floating around out there that I want to clear up: your emergency fund is NOT a savings account. And you are not a failure ...

emergency fund money goals saving savings

Why You Should Automate Your Savings and How to Start

I just love automating our savings goals. I don’t have to think about it, it just happens, and because the money is out of our checking account, it...

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Big Finance Pack - Printable Finance Library

Ditch the overwhelm! This is not your typical (dare I say boring) budget planner. It’s a solution to SO many of your headaches!!! This is truly th...

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Emergency Fund Tracker - Free Printable

I'm sharing with you the Emergency Fund Tracker from my Big Finance Pack FREE! You can find the rest of the Big Finance Pack HERE. Emergency Fund ...

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Snowflakes Savings Challenge - Free Printable

I'm sharing with you the Snowflakes Savings Challenge from my Big Finance Pack FREE! You can find the entire Big Finance Pack HERE. Snowflakes Savi...

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Financial Big Picture - Free Printable Worksheet

I'm sharing with you the financial Big Picture Overview from my Big Finance Pack FREE! You can find the rest of the pack HERE. Big Picture Overview...

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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.