{"product_id":"debt-payoff-tracker","title":"Debt Payoff Tracker","description":"\u003cp\u003e\u003cstrong\u003eA debt plan that survives real life.\u003c\/strong\u003e List your debts, choose your order, and see your estimated debt-free date. Skip a tight month or add a bonus, and the plan updates for you.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eSnowball, avalanche or your own order:\u003c\/strong\u003e switch and compare the date and interest. Want the loan from family gone first? Put it first.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eReal-life settings:\u003c\/strong\u003e an extra amount each month, skip months, lump sums, 0% deals with an end date, and buy now pay later as a debt type.\u003c\/li\u003e\n\u003cli\u003eShows the month each debt is gone, the interest you avoid compared with paying only minimums, and how much per month clears it by a date you choose.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eWins panel\u003c\/strong\u003e for the long middle: paid so far, debts cleared, next milestone.\u003c\/li\u003e\n\u003cli\u003e11 printable A4 pages: debt list, payoff order, monthly tracker, colour-in thermometer, paper chain, one card per debt, milestone rewards, a pause-and-restart page and a minimum payments checklist.\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cstrong\u003eFor you if\u003c\/strong\u003e you are paying off more than one debt on a real-life income: pay that changes, surprise bills, a month you need to skip. \u003cstrong\u003eNot for you if\u003c\/strong\u003e your payments are already bigger than your income. Then a free, non-profit debt advice service in your country is the best first step.\u003c\/p\u003e\u003cp\u003e\u003cem\u003eDigital download: 1 spreadsheet (Excel and Google Sheets) and 1 PDF. You get instant access after checkout. Because it is a digital product, all sales are final. Dates and amounts are estimates. A general planning tool, not personal financial advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"Small Wins","offers":[{"title":"Default Title","offer_id":64756815298937,"sku":"SW-DPT","price":14.0,"currency_code":"EUR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1041\/2861\/0681\/files\/dt-hero.jpg?v=1790867810","url":"https:\/\/smallwins.store\/products\/debt-payoff-tracker","provider":"Small Wins","version":"1.0","type":"link"}