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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!


Let customers speak for us

3759 reviews
Keep me honest

I love these trackers! They really keep me honest and motivated! I look forward to coloring in my sections each month. I have even shared the site with friends and family so they can also see the benefits of visual tracking!! So much fun.

Bank Loan Tracking Chart
Katarzyna Grzyl

After getting all frustrated about how long and tedious the process of getting rid of all our debts was, I found your charts and when I started coloring them I suddenly realized that the process was not as stagnant as I supposed it was and it gave me a fresh perspective and some hope of actually achieving my goals! Thank you!

Paid off my credit card chart

Such a great way to keep our credit card debt on track and enjoying our kids being able to be part of it too!



Great Chart

These charts are so motivating! I put it on my fridge to keep track of progress.