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Getting Started

Not sure where to start or what charts to get?

Here is the simple Baby Steps plan for getting out of debt popularized by Dave Ramsey and the charts that go with each step:

Baby Step 0 - Get current on any past due bills.

Baby Step 1 - Save up a $1000 Emergency Fund. 

Baby Step 2 - Pay off all your debts, except for the mortgage.

There are 20+ FREE Baby Step 2 charts, just choose the charts that fit the debts you have to pay.

Baby Step 3 - Save up a big Emergency Fund of 3-6 months of expenses (not income, just bare bones expenses).

- Baby Step 3B - Save up for a house down payment.

Baby Step 4 - Save 15% of your income for retirement.

Baby Step 5 - Save for your kids' college education.

Baby Step 6 - Pay off your home mortgage.

Note that steps 4-6 often happen simultaneously. 

There are lots more charts than are linked above, to see them all simply browse through the All Charts tab. You can filter the charts by using the drop down at the top left of the charts page so that you see only Savings charts, Medical charts, Education charts, and so on.

And check out the All Access Pass, where you can get access to EVERYTHING for a full year at for a screamin' deal!

Reviews

Let customers speak for us

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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

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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

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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