A debt payoff system with both methods, a payoff calendar, and a rule for extra payments so you do not stall after month two.

Who this is for: People carrying cards, student loans, or auto notes who want one plan instead of three apps.

Inside: balance inventory, snowball vs avalanche worksheet, extra-payment rules, and a payoff date tracker.

Format: Instant digital PDF after checkout. Members-only download. No shipping, no physical copy.