The Ledger Fix: Complete Debt Payoff System (Guide + Automatic Payoff Calculator)
We paid off $63,000 in 22 months. Here's the system we used — guide and calculator included.No windfalls. No side hustle that ate our weekends. Just a system of small, boring changes that added up fast. We wrote down everything that worked, cut everything that didn't, and packaged it here so you can skip the trial and error.You've probably tried "just budget better" before.It doesn't work, because generic advice doesn't tell you which debt to pay first, what to say when you call your credit card company, or whether that balance transfer offer actually saves you money — it just tells you to try harder. That's how debt payoff plans quietly stall out around month three.The Ledger Fix: Complete Debt Payoff System fixes that with two tools working together:📘 The Guide — 8 Proven Tactics Chapter 1: Debt Snowball vs. Avalanche — how to pick the right method for your personality, not just the math Chapter 2: The exact phone script to call your credit card company and negotiate a lower rate (plus what to say if they tell you no) Chapter 3: Balance transfer cards — when they save you real money, and when they're a trap Chapter 4: The "Extra $50" Rule — finding real money in your budget without a second job Chapter 5: Consolidation loans — the fine print that matters Chapter 6: Negotiating medical debt before it hits collections Chapter 7: Student loan tactics — income-driven repayment vs. refinancing Chapter 8: The one-page debt tracker system 📊 The Calculator — Google Sheets Workbook Automatic Debt Snowball calculator (smallest balance first) Automatic Debt Avalanche calculator (highest interest rate first) Side-by-side comparison showing which method saves you more money and time, for your actual numbers Balance Transfer calculator — see the real break-even math before you apply Dashboard with your payoff date, progress bar, and debt-free countdown Printable one-page tracker, debt-free thermometer, and milestone log Every formula runs automatically in Google Sheets — no macros, no add-ons, just enter your debts and watch the plan build itself.Who this is for: anyone with more than one debt who wants an actual plan instead of guessing — whether that's a couple of credit cards or a full mix of cards, loans, and medical bills.What this isn't: a promise that your debt disappears overnight, or personalized financial advice. This is general educational information built from what worked for us; for guidance specific to your situation, a licensed financial advisor or credit counselor is always the right call.What you get instantly:✔ Debt Payoff Playbook (PDF)✔ Snowball + Avalanche Calculator (Google Sheets / .xlsx)✔ Balance Transfer Calculator✔ Printable trackers & milestone logNo gimmicks. Just a system.
Get it → theledgerfix.gumroad.com