Digital Download · Doutre Financial Coaching
See the exact month you’ll be debt-free.
The Debt Freedom Toolkit is the same plan I build with my coaching clients, in one Excel workbook. Enter your numbers once. It sorts your debts, builds your payoff schedule, and shows you the date your last debt is gone.
Debt Freedom Toolkit
- Dashboard: Your debt-free date, total interest, which debt to attack first, and progress charts.
- Monthly Budget: Plan every dollar until “Left to assign” hits $0, then track what you actually spend.
- Debt Snowball: List your debts in any order, and the toolkit sorts them from smallest to largest.
- Payoff Schedule: Every payment and every balance, month by month, so you can watch the snowball roll.
- Emergency Fund Tracker: Your starter fund and fully funded goal, with the months left to reach each one.
How It Works
- Buy and download. Checkout takes about a minute. Your download link appears right after you pay.
- Enter your numbers. Type your income, expenses, and debts over the sample numbers. It takes about 20 minutes.
- Get your date. The dashboard shows your debt-free date. Every extra dollar you find moves it closer.
Built For
- Families with credit card debt
- Couples getting on the same page with money
- Anyone starting the debt snowball
- People who want a plan, not another app
“We have tried just about everything to get our finances figured out. We have bought books and worked with a credit union. Josh is the first person to actually help us make a difference.”
— Doutre Financial Coaching clients, Google review
About Me
I’m Josh Doutre, a Certified Ramsey Coach serving families across Ogden and Salt Lake City. I built the Debt Freedom Toolkit from the same budget and debt payoff plan I use with my one-on-one clients, so you can start on your own and see your date today.
★★★★★ 5.0 on Google from 25+ reviews
Questions
What do I need to use it?
Microsoft Excel on a computer. Some features may not work correctly in Google Sheets, Apple Numbers, or on a phone.
How do I get the file?
Your download link appears on the confirmation page right after checkout. Download the file right away and save it to your computer. If you lose the link, email me at doutrefinancialcoaching@gmail.com, and I’ll send it again.
Does it include my mortgage?
No. The debt snowball covers everything except your house. Your mortgage payment goes in the budget.
Can my spouse and I use it together?
Yes. It’s one household plan, built to be filled out together.
What if I want help with my plan?
Book a free 30-minute call with me. Many of my clients start with the toolkit and add coaching when they want accountability.
Can I get a refund?
Because it’s an instant digital download, all sales are final. If the file won’t open, email me at doutrefinancialcoaching@gmail.com, and I’ll fix it.
Is this financial advice?
No. This is an educational budgeting and debt payoff tool. It does not provide investment, tax, legal, or insurance advice.
Want me in your corner while you follow the plan? Book a free 30-minute call.
For personal use by the purchaser only. Do not resell or redistribute. Results depend on your inputs. Interest is estimated monthly from each APR. Doutre Financial Coaching provides financial coaching and education, not investment, tax, legal, or insurance advice.
