YENRA DEBT PLANNING WORKSHEET
Updated October 6, 2026 | US household planning | Amounts in US dollars
Guide: https://yenra.com/paying-off-debt/

Use current statements. Save this worksheet privately. Use account nicknames;
omit full account numbers, passwords and Social Security numbers. Duplicate the
account block for each debt. This is a planning record, not a payoff calculator.

ACCOUNT RECORD
Nickname:
Statement date:
Balance ($):
Annual interest rate (%), fixed/variable, promotional end date:
Minimum due this month ($):
Due date:
Current / overdue / collection / disputed:
Secured by home, car or other asset?:
Special terms or next question:

MONTHLY CASH PLAN
Reliable take-home income ($):
Essential and other committed expenses outside this debt plan ($):
Planned reserves for irregular expenses and cash cushion ($):
Available debt budget = income - expenses - reserves ($):
Sum of minimums for debts in this plan ($):
Extra payment = available debt budget - minimums ($):
Avoid double-counting a debt payment in both expenses and minimums.
If extra is negative, address the shortfall with creditors or a qualified
counselor before assigning an extra payment.

PAYMENT PLAN
Method: highest rate first / smallest balance first / other explained reason
Target account and reason:
Minimums scheduled on other current accounts:
Extra to target ($):
Payday(s), due dates and account balance check:
Promotional terms, arrears or other issue requiring separate advice:

FICTIONAL FIRST-MONTH EXAMPLE (not a payoff forecast)
Available debt budget: $500. Minimums: $90 + $35 + $75 = $200.
Extra: $300. Card A: $3,000 at 24%; Card B: $800 at 18%;
Loan C: $2,000 at 10%.
Highest-rate plan: A $390, B $35, C $75. Total $500.
Smallest-balance plan: A $90, B $335, C $75. Total $500.
Update from each statement; interest, minimums and spending can change.

MONTHLY REVIEW
Payments posted and dates:
New balances / interest / fees / new purchases:
Budget change needed:
Next target and extra amount:

CONTACT LOG
Creditor or counselor contacted through verified details:
Date and representative:
Affordable amount discussed:
Proposed terms, costs and duration:
Written confirmation received?:
Next action and date:

Sources and help:
https://www.consumerfinance.gov/archive/blog/how-reduce-your-debt/
https://consumer.ftc.gov/articles/how-get-out-debt
For old or disputed collections, seek advice specific to your state before
acknowledging or paying. For payment trouble, contact the creditor promptly.