The debt snowball is a payoff order, not a miracle. You list every debt smallest balance first, pay minimums on all of them, and throw every extra dollar at the smallest one. When it is gone, its whole payment rolls into the next smallest. Small wins first, momentum second, math that a spreadsheet would approve of.

This workbook runs that system on paper. It opens with a two-page plain-English explainer: the five steps, why smallest-first beats highest-rate-first for most people, and the minimums warning (never skip a minimum payment to feed the snowball). A worked example fills in a four-debt inventory so you can see exactly how the planner works before you touch your own numbers.

Then your turn: a blank ten-row debt inventory (creditor, balance, minimum payment, interest rate, due date), an eight-row payoff-order planner, and for each of up to eight debts, a three-page section: a twelve-month payment tracker with a motivational line, a ten-block color-in progress thermometer, and a "Debt paid off!" celebration page that records where the freed payment rolls next.

This book is general information, not financial advice for your situation. It is a step-by-step payoff system: it organizes the work, it does not promise the outcome.