Debt repayment strategies: A practical workbook

This tool is also used in the Financial Freedom Programme — designed to reduce your team's financial stress and improve their setup.

Debt can feel like a trap — a constant weight that shapes every financial decision, even when you’re doing your best to stay afloat.

But here’s the thing most advice leaves out: Getting out of debt isn’t just about cutting costs or working harder. It’s about creating a plan that actually works for your life.

That’s why we created the Debt repayment strategies workbook — a simple, step-by-step tool designed to help you take back control.

You'll be able to:

• Map your debts
• Get an idea of how long total repayments will take
• See the impact of different repayment strategies

You can get your own version below👇

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Tools that might be helpful:

Debt Freedom Tool - shows what your debt costs, the best repayment strategy, and your debt-free date

Debt repayments email course: take control of your debt in 4 days

Other resources to explore:

Should you change careers to pay off debt faster?

Debt review in South Africa: what it means and how it works

How do I check my credit score for free in South Africa?

What does “blacklisted” really mean in South Africa?

Is it okay to handle debt on your own without telling your partner?

How to get a good credit score in South Africa and why it matters

Should I use my savings to pay off my credit card debt, or continue saving?

Is it bad to only pay the minimum on my credit card?

Snowball vs avalanche: Choosing a debt repayment strategy that fits your personality