A clear, non-judgmental worksheet for chronic card users who want to keep paying down debt while stopping everyday credit card dependence.

This is the Minimum Payment Reality Check Worksheet — a focused, fill-in tool that helps you compare your minimum payments, balance movement, and ongoing card use in one clear place.

You'll record current balances, minimum payment amounts, recent charges, monthly card spend, how much of each payment is actually reducing principal, and the gap between what you're paying and what you're adding back. Guided prompts help you identify whether you're making progress, staying flat, or sliding backward — plus a reflection section for a clearer next step, less denial, and a more realistic daily habit change plan.

One worksheet. One honest look. No perfection required.