![]() Make extra monthly payments on the smallest debt balanceĪs you pay off your smallest debt balance, make extra payments for the next-smallest balance.Continue making the minimum monthly payment on each debt.List your debts from the smallest to the largest remaining balance.This debt payoff strategy follows these steps: The second step is using the “Debt Snowball Method” to make extra debt payments. You’re likely familiar with Dave Ramsey’s Baby Steps if you are striving to be debt-free. There are free templates for other tasks, including a to-do list, calendar and travel planner. You will find both templates in the Google Sheets template gallery at. ![]() If you continue using these sheets for multiple years, you can compare your 20 monthly spending. At the end of each month, you can copy these figures to the annual budget tracker to keep quickly comparing your month-to-month habits. You may decide to use the monthly budget template to track your daily spending. It’s possible to customize each template, but your options are relatively slim versus a Tiller Money spreadsheet.
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