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
