How to use this

Use these worksheets with the Financial Freedom Center tracker.

Zero-based budget (simple)

• Income (monthly):
• Fixed bills:
• Variable spending:
• Debt payments:
• Savings/investing:
• Buffer:

Needs / Wants / Savings split

• Needs:
• Wants:
• Savings + debt payoff:

Debt payoff worksheet

• Debt name:
• Balance:
• Interest rate:
• Minimum payment:
• Extra payment:
• Target payoff date: