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Committing to pay off your credit cards is a huge decision! Credit card debt is so common that many people don’t even take the time to think what life would be like without it!
Maybe you stumbled into paying off credit card debt by working through the baby steps like we did. Or maybe your big goal for this year is to get your finances organized. Good for you!
Keeping your goals in the front of your mind will motivate you to keep going. We are big believers in setting crazy goals. You know, those things you want but think may NEVER happen. We like those kind of goals.
And one way we have found to make those crazy goals a reality is to remind ourselves of those big, crazy, ridiculous goals as often as can. It works.
This is why we created debt free printables. Our credit card printable is one of many debt free trackers we make and give away for free. We want to help you reach your big goals!
Want to see how to get the most of our this printable? Here is what we recommend.
EVERYTHING YOU’LL NEED TO PRINT AND USE THIS DEBT FREE TRACKER
To print this tracker and use it to pay off your credit cards, you’ll need to gather up the following things.
HOW TO USE A PRINTABLE TRACKER TO PAY OFF YOUR CREDIT CARDS
You can use our trackers many different ways. Be creative and do what works for you! The beauty of paying off your debt is that you can go about a hundred different ways. The same is true for our trackers.
One way you could use this tracker is the take the total amount of debt you have on ONE credit card. Write that amount on the top of the page next to “GOAL". Decide when you want to have this particular debt paid. It’s tempting to skip this step but we encourage you to set a time limit. What month and year will you be done paying down this debt?
You’ll notice our trackers has 11 different light grey hash marks down the right margin. The top line could be the total of one card. For example, let’s say you owe $10,000 on one Visa Card. You would write $10,000 on the top grey hash. The middle grey line under the word “CARD” could be your half way point. You could write $5,000 there.
Fill in the rest of the hash marks in $1,000 increments. As you make progress you will color in your chart from the bottom up. When you have completely paid all of your Visa, the entire chart will be filled in.
We recommend using one chart per credit card.
TIPS AND TRICKS FOR STAYING MOTIVATED TO PAY OFF YOUR DEBT
We started using the baby steps in 2008. We paid off $18,000 in credit card debt, car loans, and then paid off our mortgage. This took us lots of time and dedication, but we did it.
We stayed focused by setting goals and assigning dates of when we would accomplish each goal. Of course, it didn’t always to according to plan, but we stuck with it.
We are big believers in keeping your goals and dreams front in center and talking about them often. This is why we LOVE making free trackers!
We recommend the baby steps for anyone looking to get control of there financial situation. We use our cash envelope wallet to stay on track. We shop at Aldi to keep our food budget under control. In fact, we have many Aldi resources here to help you!
NEED MORE HELP? CHECK OUT OUR OTHER TRACKERS BELOW. THEY ARE FREE!