Description
Most people in debt get paid and spend before they think.
By the time they’ve remembered the minimum payments, there’s nothing left for an extra chunk on the debt.
This stops that. One page. Stick it on the wall. Follow it every payday. All year.
WHAT’S ON THE PAGE:
SECTION 1 — THE FIRST 30 MINUTES
The exact order of operations the moment pay hits your account:
1. Confirm pay is correct
2. Rent / Mortgage out immediately — non-negotiable
3. Federal / State Taxes (FICA) — confirm withholding sorted
4. 401(k) / HSA Contributions — confirm contributions active
5. Utilities · Internet · Phone — pay or confirm auto-pay
6. Minimum payments on ALL debts — every single one
7. Debt Attack Chunk — extra payment on your Target Debt
8. Savings challenge contribution — transfer before it disappears
9. Whatever’s left = spending money — only now
SECTION 2 — DEBT LOG
Track up to 3 debts across all 12 paydays. Write the balance after your extra payment each month. Watch the numbers drop. One page, all year.
SECTION 3 — PAYDAY MOOD CHECK
How do you feel about money right now?
→ CALM — safe to spend leftover
→ STRESSED — stick to the plan only
→ IMPULSIVE — wait 24 hours before any non-essential spend. No exceptions.
Most people don’t know they’re in impulsive mode until after they’ve spent the money. Now you check first.
SECTION 4 — MONTHLY DEBT REVIEW
Total debt today. Paid off this month. Interest saved. Next milestone. Debt-free date. One minute once a month. That’s it.
TWO QR CODES INCLUDED:
→ Scan to open the AI Debt Payoff Planner — calculate your exact debt-free date
→ Scan to open the Emergency Fund Calculator — build your financial firewall
WHAT YOU GET:
✓ 2 files — Letter size (any home printer) + A3 (wall poster size)
✓ Instant download after purchase
✓ Free lifetime updates
✓ US-specific — Federal taxes, FICA, 401(k), HSA
✓ Full DebtShift dark theme branding
✓ NFCC-aligned disclaimer included
DebtShift is an educational platform — not a financial adviser or debt management firm.
Free debt help: NFCC nfcc.org · CFPB cfpb.gov
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