Debt Payoff Guide for Beginners | Fillable PDF Digital Download

If you’re overwhelmed by debt and don’t know where to start, this is your plan. The Girly Finance Debt Payoff Guide is a cute, simple, fillable PDF designed to help beginners pay off debt with clarity and consistency—without complicated math or spreadsheets.

What’s included (7 pages total)

• Cover Page
• Quick Start (simple steps + pick your focus for the month)
• Debt Inventory (balances, APR, minimums, due dates)
• Strategy Picker (Snowball vs. Avalanche, explained clearly)
• Monthly Payoff Plan (minimum + extra + totals)
• Payment Calendar (due dates + paid checkboxes)
• Progress Tracker (milestones + reflection + motivation)

Perfect for

• Beginners who want a clear starting point
• Anyone paying off credit cards, loans, or BNPL
• Building consistency and staying organized month to month

How to use

1. Download instantly after purchase.
2. Open with Adobe Acrobat Reader (recommended for fillable typing).
3. Type into the fields (or print and write by hand).
4. Save a new copy each month to track progress.

Important notes

• This is a digital download. No physical item ships.
• Colors may vary slightly by screen/printer.
• Best fillable experience is Adobe Acrobat Reader; some iPad note apps may vary.

Refund policy 

Due to the digital nature of this product and instant access/download, all sales are final. If you have trouble opening the file, contact us and we’ll help.