Debt Snowball Tracker

Paying off several debts at once can feel like pushing a boulder uphill, and it is hard to stay motivated when you cannot see progress. This tracker is built for the debt snowball method, where you pay the smallest balance first and roll that payment into the next.

The pack opens with a short five-step explanation of how the snowball works. You then list every debt in a debt inventory, record what you pay each month in a monthly payment tracker, and mark milestones on a payoff thermometer from 10 percent paid off to debt free, with space to note a reward at each stage.

A filled-in example shows a sample debt inventory and a first month's entry, so you can see exactly how to use each page. It is a tracking and motivation tool, not financial advice.