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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 106 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.

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Rebecca
Absolutely wonderful and so easy to use!!!!

I've only been using the debt free chart for a little while - but OMG, it has really been a helpful too and shows me that I spend way more than I have and why and where I keep going into debt!!!! Absolutely wonderful!!!!

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Pamela McKinley
Great trackers

I’ve really been pleased with the debt trackers that I’ve received here. It’s helpful having visual data to show my progress.

M
MartiaT
Perfect!

This chart is already helping me achieve my goal.

K
Kari Carroll
Wonderful job

Great job on designing and so awesome to share your talent with all of us! Thank you!!!

Reviews

Let customers speak for us

3818 reviews
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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