Congratulations! 🎉 You’ve made the powerful decision to break free from debt, and that’s a huge first step. Now, the big question on your mind is: “When will I finally be debt-free?”
If you’re using your Debt Free Journal, you’ll answer this exciting question at the end of the “Where am I today” section under “Timeline” (If you don’t have a copy yet, grab one here!). By now, you’ve listed out all your debts, their totals, and their monthly payments. You’ve also created a budget and figured out how much extra you can throw at your debt each month.
Now, it’s time to map out your debt-free journey! 🚀
Using a Debt Timeline tool, you’ll organize your debts in the best payoff order, calculate when each one will be gone, and finally—determine your official Debt Free Date!
Sure, you can do this by hand, but why not let technology make it easier? These free online calculators will do the math for you:
✅ NerdWallet: Debt Snowball/Avalanche Calculator
✅ Ramsey Solutions: Debt Snowball Calculator
Once you plug in your numbers, you will transfer your plan into your Debt Free Journal. Then, you’ll have your very own Debt Free Date! 🎯 This is a game-changing moment—you now have a clear strategy and a finish line in sight.
But this is just the beginning. Now it’s time to take action and start crushing that first debt! 💥
You’ve got this! Keep pushing forward, and before you know it, you’ll be celebrating your debt-free life. Let’s go! 💪
Focused Financial Coach Blog 
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