Debt & cards
Credit Card Budgeting
See which bank money is already committed.
$12.99USD / PDF
What’s includedDebt & cards · A practical PDF guide
Debt Repayment Workbook
“I make debt payments, but can’t see a clear plan.”
Organise balances, rates and due dates in one place. Compare extra-payment approaches, schedule what is affordable, and explain how payments, interest and fees change your balances.
29pages
8worksheets
PDFdigital format
Buy Now - $12.99
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What you’re working toward
A debt inventory, funded payment cycle and honest balance-change record.
A useful fit
Is this the guide for you?
People managing several debts who can cover essentials and required payments and want to organise affordable extra payments.
- See balances, terms and payment dates together.
- Choose where affordable extra payments will go.
- Measure debt reduction rather than just money paid.
Inside the guide
A process you can follow.
- 01Check affordability and the need for individual advice.
- 02Record current account terms and fees.
- 03Compare highest-interest and smallest-balance approaches.
- 04Plan promotional deadlines and confirm payment allocation.
- 05Reconcile payments, charges and new borrowing.
- 06Prepare creditor conversations and compare consolidation costs.
See the real pages
Take a closer look.
One explanation or worked example.
One reusable worksheet.
Click either page to enlarge.
Enlarge page 
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What this guide can—and can’t—do
Not individual debt, legal or insolvency advice. Extra-payment examples assume essentials and required payments are affordable; no payoff-date or credit-score promise. General financial education, not personalised advice. Examples use fictional money units; use your own currency consistently.
Format, printing and other questions ↗When another problem comes up
Keep building your routine.
The complete collection · All 10 PDFs
A plan for every
money moment.
From getting to payday to planning for the unexpected. Bring all ten practical guides together and build your budgeting routine one problem at a time.
$64.95USD
Save $64.95 compared with buying all 10 separately.
- All 10 complete PDF workbooks
- 82 reusable worksheets across 294 pages
- Examples, checklists and practical next steps
Buy the Complete Bundle
Prices in USD. Review the final price and delivery terms at checkout.
Ten everyday problems. One complete collection.
See all 10 included workbooks
- Payday Cash Flow
- Irregular Bills
- Variable Income
- Grocery Budget
- Impulse Spending
- Debt Repayment
- Realistic Budget
- Weekly Money Check-In
- Credit Card Budgeting
- Emergency Fund
Digital PDFs only. Read, print or annotate. General financial education; no guaranteed financial results.
