Take the First Step Toward Becoming Debt-Free
Getting out of debt starts with a plan - and the right plan can change everything.
Download my free DEBT REPAYMENT TRACKER to build a clear path toward financial freedom.
Simply enter your email below and I'll send it straight to your inbox.
Your future self will thank you.
No spam. Just practical tools to help you thrive.
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Debt Repayment Tracker
Enter your name and email below and get instant access to your free tracker.
Instant download. Easy to use. No overwhelm.
If your finances feel messy… you’re not alone
You’re not totally sure where your money goes each month
Bills hit and feel random or unexpected
You check your bank account more than you’d like to admit
You know you should be more organized… but don’t know where to start
Budgeting feels like too much
Debt doesn't have to define your future.
No matter where you are today, there is a path forward.
The first step is doing the internal work. After that, you can face the numbers—not with fear or shame, but with a plan.
When you can clearly see:
Debt starts to feel solvable.
One step at a time. One payment at a time.
Your debt payoff plan——
all in one place
This simple, easy-to-use Google Sheet helps you organize your debts, choose a repayment strategy, and celebrate every milestone along the way.
Every payment moves you closer to freedom:
With this tracker, you'll be able to:
Here’s what it looks like inside
Clear totals. Clean layout. Instant clarity.
Why this works (when other debt plans don't)
Most people don't fail because they don't care.
They fail because the plan is too overwhelming to stick with.
This tracker helps you focus on what matters most:
Simple plans are the ones people actually follow.
Hi, I’m Tammy!
I’m a Certified Financial Planner Professional® and founder of Finlightenment® Financial Learning Group™.
After working with thousands of people, I’ve seen one thing over and over:
The biggest financial breakthroughs don’t start with complex strategies…
They start with simple clarity.
This is the exact kind of tool I recommend as a first step.
Download the Free Debt Repayment Tracker
Enter your name and email and we'll send you the tracker instantly.
Simple. Clear. Powerful.
What if today was the beginning of your debt-free life?
100% free
Takes minutes to set up
Works even if you’ve never budgeted before
No financial knowledge required
