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!

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.

Getting Started

Not sure where to start or what charts to get?

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