Debt 101 PDF Free Download

Debt 101 by Michele Cagan. Mortgage lenders look at a lot of numbers before they’ll agree to loan you money, but your credit score will be front and center. People with lower credit scores will have a harder time getting approved, and they’ll also pay a lot more for their loans in the form of higher interest rates. View, sign, collaborate on and annotate PDF files with our free Acrobat Reader software. And to easily edit and convert your PDFs into file formats like Excel and Word, try out PDF editor and converter Acrobat Pro DC.

This free debt snowball worksheet can be used to help you track your progress with paying off your debt using the Debt Snowball method.

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Be sure to watch our Debt Free Journey series on YouTube where we cover topics that will help you succeed at eliminating your debt and most importantly not getting into debt again.

What is the Debt Snowball Method

The debt snowball is a methodology to pay off debt developed by David Ramsey. With the debt snowball method, you pay off your debt from the smallest balance to the lowest balance. Here are the basic steps if the debt snowball method.

  1. Document your debts and include their balances
  2. Order your debts from lowest balance to highest balance
  3. Focus on paying the debt with the lowest balance first by paying as much as you can on that debt
  4. Pay the minimum payment on all other debts
  5. Once you pay off the debt on the top of the list, cross it out and focus on the next debt on the list

Related Post:How to Get Out of Debt When You’re Broke

How to use the Debt Snowball Worksheet

  1. Choose whether you want the spreadsheet in Excel or Google Sheets format
  2. Select the appropriate link from the download section below
  3. Enter your debt repayment plan start date on the first tab of the worksheet
  4. Enter your list of debts in the table on the first tab of the worksheet (order does not matter)
  5. The worksheet will order your debts from smallest to largest
  6. Use the tracker tabs of the worksheet to log your debt payments for each of your debts.

Related Post: 6 Debt Free Journey Mistakes You Should Avoid

Download Your Free Debt Payoff Worksheet

Our debt snowball worksheet comes in both Excel and Google sheets format. Select the button below that corresponds to your desired format to grab your copy now.

Note: If you need space for more for more debts you can grab the extended version of the Debt Snowball Worksheet here.


Prayer Demolition Test #2 – Debt Must Die' />

Barbara writes in from Australia.

And she has just made my day.


Because she is now in business.

But not business as usual.

She is in God’s business of changing lives.

Specifically women’s lives.

Hear her:

“Dear Elisha,

I want to say a great big thank you for the program which has so blessed and enlarged me and my family. When I started off the program I was confused and had no idea about what I wanted to do with my life.

I also was one who did not stick to things and was afraid of starting the program and then quitting along the way. I want you to know that I never gave up and continued with the program.

It is now three months later and I am now running a Ladies Deliverance Ministry that I launched four weeks ago which is growing in leaps and bounds each day.

Every time we meet God is just adding the numbers but most importantly the women love the ministry they receive and stay for up to 4 hours after the meeting has ended and won’t go home unless prompted to.

There are healings, deliverance’s and provision beyond natural belief. It was a desire I always had but never had the strength, faith and spiritual insight to do so. As I continued with the Prayer Academy program I gained strength, wisdom and financial opportunities became available to me.

My financial situation has changed but more than ever women’s lives have been changed.

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Women that had given up on life and were ready to die in fact one Italian lady had actually offered someone to kill her and was ready to die until God brought her to our ministry.

She has since been delivered of this suicidal spirit and has been healed of insomnia and a blood clotting disease. I could sit here and write more but I am sure you have other emails to attend to.

Thank you once again for the program and may the Lord greatly increase you in every way possible.”

- Barbara, Australia

Praise the LORD.

You know, there are many people like this Italian lady she referred to all around you.

If you look at them carefully with the eyes of the spirit, you will see a desperate, silent cry for help. Though they might pretend all is going well… outwardly.

This is the reason it is important for you to discover your ministry in the Body of Christ so we can all join hands to help set the captives free.

And this is why our training is so rigorous … sort of a spiritual version of a military boot camp … so that you too will be equipped to go out into the big, wide world and minister to the needy and oppressed.

Question is: Have you yet discovered your ministry… or even your purpose in life?

I have a confession to make …

On a different note, it seems there is something that is threatening to swallow up many believers, going by the thousands of email I receive weekly.

Quite frankly I hate this thing with perfect hatred.

I am talking about the crushing mountain of debt in the lives of many believers.

Why do I hate it so?

Because it is a most oppressive form of slavery. The scripture says so, no less.

The rich rules over the poor,
and the borrower is the slave of the lender. – Proverbs 22:7

Many years ago I began to take on certain prayers at the midnight hour. Before long those prayers began to trigger within me a holy hatred for the goliath of debt.

I must warn you though…

When you engage in this type of prayer, it will stir up within you a righteous desire to smash the slave chain of debt and break its shackles from your neck once and for all.

I strongly believe that anyone who succeeds in getting out of debt this year deserves to be celebrated…

… for it takes nothing short of prayer demolition coupled with courageous ACTION to share the kind of testimonies you are about to see now.

I AM DEBT FREE … It Happened Like a Dream

“Elisha God has done it this time around. It all happened like a dream.

I took the 27minute to midnight for 2012 so seriously I needed God to open the gates of 2012 for me. I was so indebted in 2011.With all my resources and income I knew it was going to take me years to pay off my loans.

In 2011 I had this friend who had some parcel of land for sale and I was told if I could get somebody to buy them then I will have a commission. I told every one I knew but no one came for it.

When I started the Golden Journey prayer for 2012, on Jan 05th 2012 somebody called me for just one out of all the parcels of land. He paid for the land on 07th of January 2012. I did not stress and it happened so fast.

Guess what? I have been able to pay off my debts and even have some left over to help others.
Also my desire for God has increased. Elisha, the God we serve answers prayers.

May God rightly bless u for all the prayer bullets u give us.

- Sister Florence

Here’s another one…

One Problem, Different Solutions…

“Calvary greetings, I have written to give glory to God. By the end of 2010 I had a debt of USHs one million. I joined the Prayer Academy and joined the end of year prayers 2011 / 2012. And by the third week of 2012 I was registered among those that are debt free, and God has kept showering me with finances here and there. We serve the Almighty God.”

- Sister Prossy

Praise the LORD.

Well, the sister did not tell us exactly how it happened for her but this next one does (Note: If you are in any kind of debt, you’ll do well to pay attention to what she was required to do here):

“Last week after doing the normal prayers with fire since I stopped the Prayer Academy until April 25, I had a dream of the Holy Spirit saying:

“Call the bank and ask them to give you 50% OFF from your debts.”

I woke up very excited, but unfortunately I did not have the number to call or even the airtime to make that call, but I believed that it was the Holy Spirit who spoke. Yesterday, which is a week later, I received a call from the bank.

The gentleman at the other end said: “I am calling to offer you 50% OFF from your debts.” I screamed with joy. I thank God because I know this is just the beginning of things to come.

Just imagine, all I managed to do was the Prayer Academy Starter Prayers for one week. How much more will God do when I start on April 25th and complete the Academy…”

- M.M., S/Africa

Please if you are choking under a mountain of debt, don’t just sit there. Arise and call upon the LORD. And be prepared to take inspired ACTION when He speaks to you.

Stop trying to keep up with the Joneses…
(Bible calls it covetousness)

If HE says you must stop buying things you don’t need (just to keep up with the Joneses)… and begin to live within your means, then that is what you must do. Without further delay.

If He shows you a business opportunity … perhaps in the dream … that will help generate the needed cash flow to settle your debts, then you must be courageous enough to go out and start the business.

If HE tells you:

“Be still, and know that I am God! I will be honored by every nation. I will be honored throughout the world.” – Psalm 46:10

Then it means you must NOT fret.

Don’t be anxious.

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Keep on trusting Him. And keep on praying with holy aggression.

Be on alert and ready to SWING into quick action when the Spirit of God prompts you.


Because …

Hidden from the common view… behind the scenes… He is working powerfully on your case.

Debt 101 PDF Free Download Windows 10

Be An Overcomer!

Debt 101 PDF Free Download



Congratulations to all those who sent in the scripture verses for last week’s Prayer Demolition Test #1. The first 3 people to send in the correct answers got the book. The book will be in the mail this week.


Please watch out for the next exercise coming SOON. Prize goes to the first 3 correct entries.

PPS. Golden Journey Level 2 starts this week April 19, 2012 – only for those who have completed the Academy. To access the program, log in to 24-hour blog, click on Prayer Request Forum, scroll down and click on Weekly Case Studies, then click on Week 22 (NEW)

PPPS: If you have never participated in the Prayer Academy, what are you waiting for? NEXT Prayer Academy starts April 25th.

Please click below for more details:

Finally –

If you’ve been following our programs, I’d like to hear your experiences too.

REMEMBER that thousands of undercover eagles in 117 countries are praying on this site this very minute –the Holy Spirit might lead someone to intercede on your behalf right away.

Just click on COMMENTS below to share your experiences – the good, the bad and the ugly – all are welcome!