Paycheck to Debt Decision Planner

I created this planner because I was tired of feeling tense every time I got paid.

Not because I didn’t have a budget. Not because I didn’t “know better.” But because every paycheck felt like a mini crisis. What gets paid first? What can wait? What if I make the wrong choice?

This isn’t a full budgeting system. It’s a decision tool.

The core of this planner is a simple matrix that helps you sort bills by consequence and timing. Instead of paying things based on guilt, avoidance, or what feels easiest, you look at what actually carries the biggest real-world impact if ignored.

From there, you assign your paycheck intentionally.

Inside this download, you’ll find:

• A “Bills for This Pay Period” page to list everything due before your next check

• A decision matrix to sort bills by urgency and consequence

• A paycheck allocation page to assign priority and track what was actually paid

• Fully completed sample pages so you can see exactly how it works

• US Letter, A4, and A5 planner-size versions

This is for people who are paying down debt while still living real life. It’s for anyone who feels overwhelmed at payday but doesn’t want a complicated system.

It won’t fix everything overnight. It just helps you make one clear decision at a time.

Digital download. For personal use only.