FREE Charts

For the beginning of your journey, Baby Steps 0, 1 & 2 - from saving up your Starter Emergency Fund to paying off your debt (except the house). If you are brand new to the Baby Steps, here is a quick overview.

All charts are delivered automatically in PDF format for you to print yourself.
If you only select FREE charts, the checkout system will skip over the billing information.

I want to help 250,000 people with Debt Free Charts, so please share this page with anyone you think could use some free charts to help them on their debt free journey.

Looking for other charts? There are lots more here.

Visa Tracking Chart

$0.00

Master Card Tracking Chart

$0.00

AmEx American Express debt payoff visual printable chart

AmEx - American Express Tracking Chart

$0.00

Farm Loan Tracking Chart

$0.00

Personal Loan Tracking Chart

$0.00

Line of Credit Tracking Chart

$0.00

IRS Tax Bill Tracking Chart

$0.00

Dental Bills Tracking Chart

$0.00

Hospital Bills Tracking Chart

$0.00

Car Loan Tracking Chart

$0.00

Medical Bills Tracking Chart

$0.00

Bank Loan blank Tracking Chart

$0.00

Credit Card blank Tracking Chart

$0.00

Friend Loan Tracking Chart

$0.00

Family Loan Tracking Chart

$0.00

Stupid Tax Tracking Chart

$0.00

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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.

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