• 📝 Start Here:

  • Go to the “How Much I’m in Debt” section.
  • Add each of your debts (credit card, student loan, etc.) with accurate numbers.
  • Don’t worry about the order — the system will organize it for you.

• 📆 Log Payments Monthly:

  • Open the “Monthly Payment Log.”
  • For each debt you made a payment on, add a new row (month, amount, etc.).
  • This helps the timeline + payoff plan calculate accurately.

• ❄️ Use the Snowball Tracker:

  • Based on your entries, this shows which debts to pay off first.
  • Focus on the smallest balances for early wins (classic snowball method).

• 📅 Check Your Timeline:

  • See your projected payoff date and total interest saved in the Timeline Estimator.
  • This section updates automatically as you log more payments.

• 📊 Track Your Progress:

  • Use the Progress Tracker and Debt Breakdown to stay motivated.
  • Charts update based on real numbers — so keep your logs up to date.

• 💡 Need a Custom Plan?

  • Use the Payment Plan Generator to create a new monthly plan.
  • Tweak as needed — it’s flexible for life changes.

• 🎉 Celebrate Your Wins!

  • Whenever you pay off a debt, go to the Celebration Log and record it.
  • Add emojis, gifs, or even a note to future-you. You earned it.

🔁 How to Duplicate

1. Click the “Duplicate” button at the top-right of this page

   (On desktop: top-right corner | On mobile: open in browser and find it in the 3-dot menu)

2. Choose the workspace you want to save it in.

3. Wait a few seconds for everything to load.

4. ✅ That’s it! You now have full editing access.