Companion resources

3 tools · 12 files available

A Payment Plan You Can Keep

Compare payoff paths and offers, then prepare and record a creditor conversation.

Choose a tool

Start with an example, then protect a clean copy.

Each row keeps the tool version and its two useful starting points together.

Direct access: Files are available without an account or sign-up for personal and household use. Worked examples are fictional or hypothetical, not forecasts, recommendations, promises, or reader outcomes.
D1 · Version 1.1

Debt Payoff Simulator

Compare avalanche and snowball while checking current statement obligations separately from future payment assumptions.

First use: Open the worked example and instructions first. Then save a separate clean copy and replace every fictional or hypothetical entry with your own checked information.

Recalculated, reopened and mutation-tested in Microsoft Excel for Windows 16.0 build 17932. Other spreadsheet apps untested.

Debt Payoff Simulator: fictional worked-example results
Fictional worked-example results
Start with your copyXLSX · 2.3 MBExplore the worked exampleXLSX · 2.3 MBView the example results (PDF)PDF · 117 KBRead the instructions (PDF)PDF · 104 KB
D2 · Version 1.1

Debt Offer Comparator

Compare complete debt offers independently, including fees and debt left outside each offer; incomplete alternatives stay visibly pending.

First use: Open the worked example and instructions first. Then save a separate clean copy and replace every fictional or hypothetical entry with your own checked information.

Recalculated, reopened and mutation-tested in Microsoft Excel for Windows 16.0 build 17932. Other spreadsheet apps untested.

Debt Offer Comparator: fictional worked-example results
Fictional worked-example results
Start with your copyXLSX · 556 KBExplore the worked exampleXLSX · 582 KBView the example results (PDF)PDF · 113 KBRead the instructions (PDF)PDF · 105 KB
D3 · Version 1.1

Creditor Conversation & Agreement Kit

Prepare the numbers for a creditor call, use three fictional conversations, and record terms, open questions and the next action in an editable or printable working copy.

First use: Begin with the blank editable or printable working copy. Use the separate three-conversation example only to understand a completed workflow.

DOCX opened and PDF rendered in Microsoft Word for Windows 16.0 build 17932. Six pages per copy; filled fictional workflow also checked.

Creditor Conversation & Agreement Kit: blank working-copy preparation page
Blank working-copy preparation page
Editable working copy (DOCX)DOCX · 7 KBPrintable working copy (PDF)PDF · 146 KBThree complete example conversations (DOCX)DOCX · 7 KBThree complete example conversations (PDF)PDF · 132 KB
Download all three tools (ZIP · 4.3 MB)

Use the tools with judgment

These tools organize educational information and scenarios. They do not provide individualized financial, tax, legal, investment, retirement or credit advice. Confirm current rules, account terms and qualified guidance where appropriate.

Return to the bookGet file and compatibility help →