The Debt Exit Map: Uncle Sterling's Debt Payoff Planner

Uncle Sterling once owed his cousin, a catalogue company and the bank, and hid the post in a kitchen drawer. What got him out was a sheet of paper with every debt on it, an order to pay them in, and one uncomfortable phone call. This planner is that sheet of paper, made properly.

What's inside (23 pages)

• Which debts come first: priority debts (home, energy, council tax) before everything else, and when to get free help straight away.
• Every debt on one page: who, what for, balance, rate, minimum and due day.
• Choose your order: avalanche (highest rate first) and snowball (smallest balance first), explained honestly with a worked example, so you can pick the one you'll stick to.
• Your payoff order and budget, with the roll-over rule, a 36-month payoff calendar and the 100 squares to colour in as it goes.
• The calls: how to prepare, three word-for-word scripts (asking for a payment plan, asking for a hold while you get advice, and what to say when they say no), a call log and a letter template.
• The finish: cleared cards for each debt, the last-day page, and a directory of free, regulated help in the UK and US.

Formats

A4 and US Letter, each as a colour PDF, a fillable PDF and a print-friendly version. Currency-neutral.

Works with The Quiet Money Method

Day 1 fills in most of your map, Day 24 is the Debt Map day, and the Quiet Money Ledger spreadsheet works out both payoff methods for your own numbers. It also works fine on its own.

The honest bit

Uncle Sterling is an AI-created character. This is a planning tool and general education, not debt or financial advice, and it recommends no lender, product or debt solution. If you can't cover your minimum payments, the planner sends you to free help first: StepChange, National Debtline, Citizens Advice, MoneyHelper, or a non-profit NFCC member in the US.

Money likes quiet.