Financially Better Debt Snowball Planner — Extended Edition

Printable PDF + Excel Workbook

Small Steps. Steady Progress.

Organize your debts, plan your payments, and track your progress with two practical tools: a 12-page printable planner and an Excel workbook with automatic calculations.

What's Included?

Printable PDF Planner

• Step-by-step instructions and a worked example
• Debt inventory and payment-budget worksheets
• Smallest-to-largest payoff plan
• Payment rollover worksheet
• Monthly payment trackers and progress chart

Excel Workbook

• Space to organize up to 10 debts
• Automatic smallest-to-largest ordering of active balances
• Calculations for minimum payments, available extra money, and planned payments
• Updated payment allocations when you mark a debt paid off
• A 24-month actual-progress tracker
• Built-in instructions and sample data

Why Use the Excel Addition?

Spend less time calculating and more time following your plan. The workbook helps you see where your extra payment goes, update your plan as balances change, and measure your progress in dollars and percentages.

Use the printable worksheets for planning and reflection, and Excel for ongoing calculations and recordkeeping.

How to Get Started

1. Download both files and open the .xlsx workbook in Microsoft Excel. Excel is not included.
2. On Snowball Plan, replace the fictional example with your information in the yellow cells.
3. Enter your total monthly debt-payment budget. Review the calculated payment plan while continuing to cover required minimums.
4. Update current balances and minimum payments each month. When a debt is paid off, enter 0 as its current balance.
5. Keep your overall payment budget steady when affordable so freed payments roll toward remaining debts.
6. On Progress, enter your actual month-end balances and payments. Keep starting balances unchanged to measure your progress.

The workbook allocates payments; it does not calculate future interest, fees, or a projected payoff date.

Instant Digital Download

This is an instant digital download containing a printable PDF and an Excel workbook. No physical items will be shipped.

All Sales Are Final

Due to the digital nature of this product, all sales are final. No refunds, returns, or exchanges, except where required by applicable law. Please review the description before purchasing.

Copyright & Personal Use

© 2026 Michael D. Morrow / Financially Better. All rights reserved. All artwork and original content are copyrighted.

You may print household copies and enter your own information in the designated Excel input cells. The files may not be redistributed, shared, resold, or otherwise edited—including changes to artwork, design, or formulas—without written permission.

Need Assistance?

Message me if you have issues downloading, opening, or using the files. For assistance editing or customizing the files beyond the designated input cells, contact me to discuss an authorized modification.

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General money-management education. Results and payoff timelines vary.