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A real thermometer for every debt you're paying off — not just one generic chart.
The built-in one-page guide explains both methods with examples — read it before filling in any numbers so you commit to the right strategy for your situation.
Each debt gets its own thermometer page — write the creditor name, total balance, and interest rate at the top, then divide the thermometer into equal segments that represent payment milestones.
Each time you make a payment, record the date, amount, and remaining balance in the payment log, then colour in the corresponding thermometer segment to keep motivation high.
