Debt is Going Down Tracking Chart
Debt is Going Down Tracking Chart

Debt is Going Down Tracking Chart

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Confession: I loved making Graphs in school. The nerd in me loved the organized information, the artist in me loved the visual representation of that information. So whether you are a nerd or an artistic free-spirit, tracking your debt reduction with a graph is ultra-satisfying.

 

The file has two pages, one with Months filled in for two years, starting with January, and a blank version so you can write in the months yourself if you prefer (and you don't have to start the chart with January).

How To:
Divide your total debt by 23 and use that increment to fill in the numbers on the left side, starting with 0 at the bottom.

So if your debt is $10,000, you divide 10,000 by 23 to get 434.78. round that to the closest whole amount, so $435 in this case. Write 0 in at the bottom of the chart, and add $435 each time you go up. When you get to the top it should be $10,000 (do it lightly in pencil first if you're unsure of your math).

Every month, plot the new balance with a dot at the intersection of that amount and the month, then connect the dots. If the balance falls between two of the amounts, just guess a dot at about the right spot between them.

If you reaaaaaly like coloring in charts, you can color in a bar up to the line each month.

 

There are now FOUR Graph based tracking charts, and you can get them all in a bundle herre >https://debtfreecharts.com/products/graph-your-money-bundle

 

Customer Reviews

Based on 95 reviews
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Fay Chipman
Such a great chart

This is honestly one of the better ways (in my opinion) to track my debt. I was able to put it right above me desk, and am now able to motivate myself to put more money into my debt payoff. Such a great chart, it honestly deserves more praise.

A
Alli Manella
So motivating!

Thank you for offering these charts. It has been so helpful to track my progress. Every little bit helps.

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Ann Marie
Helpful tools!

The free debt tracker I downloaded will be just the thing to help us stay motivated on our financial goals this year. I’ve got it posted in my office to help keep me focused and motivated as I pay down my debt this year! Highly recommend these trackers!

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L RICKS
SUV LOAN DEBT SHEET

GOOD WAY TO KEEP UP WITH PAYING DOWN MY DEBT.

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Peta Hills
Visual Reminder So Helpful

Thank you so much for this free chart, I am glad I have something visual that is helping me see what I need to pay and what has been paid. Seeing the squares being coloured in really motivates me to keep paying it off.

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Great store

AMX Chart

I used this chart to color code every box until my bill was paid! I used 4 colors I new when I got to the color Green …I was in the money and done!!! I love all of the charts I ordered!

L
Spending Tracker
Linnea Moore
Helpful for Tracking Wants and Needs

I have tried other spending trackers and found that just saying amounts wasn't all that helpful- for me to have to justify my purchases to myself as wants and needs has been helpful in reducing unwanted, unplanned purchases. I can't wait to see how this helps long term!

Super

J
Classic Charts Bundle
Jasmine Brechtefeld

I love the charts! Keeps me focus on my goals!