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The $131K Debt Payoff Starter Kit
The exact tracker, budget template, and spending-pause checklist I use to chip away at $131,000 in debt from a small room in Banff.
The Debt Avalanche Tracker
A printable spreadsheet that sorts every debt by interest rate and shows the exact minimum-plus-extra payment order.
The Banff Budget
The same monthly budget I use in a resort town: fixed costs, variable spending, and the line item I call 'debt firepower.'
The 48-Hour Spending Pause
A one-page checklist for stopping impulse spending before it happens. This saved me more than one credit-card swipe.
The Weekly Ledger Habit
A 10-minute Sunday routine to review balances, log payments, and keep the debt number from hiding in plain sight.
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