Debt Management Workbook: Ratio Analysis, Method Selection, and Payoff Plans

Practical debt management is built through clear ratio analysis, deliberate method selection, and a written payoff plan. This hands-on workbook walks you through each with templates designed for real situations. By the end of this course you will have a complete debt and income analysis, ratio calculations, a method selection rationale, a written payoff plan, and a monthly tracking system. What you will learn: - How to inventory debts and income for ratio calculation - How to calculate and interpret debt-to-income and utilization ratios - How to choose a payoff method that fits your psychology - How to design a budget that supports payoff - How to track payoff progress monthly - How to handle setbacks including income changes - How to integrate payoff with savings and other goals The course is structured as a workbook. Each module provides templates and walks through examples. The course is informational and does not substitute for licensed financial advice. This course is written for adults who want a practical plan. By the end you will have replaced anxious worry about debt with a documented payoff plan.