Deskify Studio

Premium Google Sheets templates and financial dashboards. Take control of your money with beautifully designed, formula-powered spreadsheets...
Palmerston North, NZ
•Created byProfile pictureGideon Hewitt
2 joined
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Gideon HewittProfile picture@deskystudĀ·Apr 29

Welcome to Deskify Studio — Your Debt-Free Journey Starts Here šŸŽ‰

Hey! I'm Gideon, the creator behind Deskify Studio.


I built the Debt Free Journey Dashboard because I believe getting out of debt shouldn't require expensive apps or complicated software. Just a well-designed Google Sheet and a solid plan.


Here's what you get as a member:


šŸ“Š 12-sheet dashboard — Track every debt, compare Snowball vs. Avalanche strategies, visualize your progress, and build your net worth — all in one spreadsheet.


šŸ’¬ Debt Free Community — Connect with others on the same journey. Share wins, ask questions, get motivated.


šŸ“ Updates & Tips — I regularly post new strategies, spreadsheet tips, and financial insights to help you accelerate your payoff.


šŸ“ Instant Download — Access your dashboard template immediately after purchase.


If you're new here, grab your copy and introduce yourself in the community chat. Tell us how much debt you're tackling and which payoff method you're using — Snowball or Avalanche.


Let's get free. šŸ’Ŗ

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Gideon HewittProfile picture@deskystudĀ·Apr 29

Snowball vs. Avalanche: Which debt payoff method actually wins?

Most people with $30K+ in debt make one critical mistake: they pay minimums on everything and throw extra money randomly.


There are really only two proven strategies:


ā„ļø Debt Snowball — Pay off smallest balances first. You get quick wins that keep you motivated. Dave Ramsey swears by this and the psychology is real — 70% of people who stick with a plan use snowball.


šŸ”ļø Debt Avalanche — Pay off highest interest rates first. Mathematically optimal. On $47K of mixed debt, avalanche typically saves $800-2,000+ in interest vs snowball.


So which one should you pick?


Honestly? The one you'll actually stick with. If you've tried budgeting before and quit, go snowball. The dopamine from crossing off a debt in month 2 is worth more than saving $1,200 over 3 years.


If you're disciplined and the math bugs you, go avalanche.


I built a dashboard that runs both strategies simultaneously so you can see your exact payoff date, total interest, and monthly breakdown for each method — side by side. No guessing.


Debt is a math problem with a psychology wrapper. Solve both and you win.