Downloads

Debt snapshot checklist

Keep every balance, APR, and payoff target in one place so you can make confident weekly moves.

Account profile

Creditor name and account nickname
Account type (credit card, personal loan, auto, student, mortgage)
Account number fragment for reference (last 4 digits)
Login URL or phone number for payments

Balance and payoff

Current balance and statement balance
Interest rate (APR) and whether it is fixed or variable
Minimum payment and typical due date
Target payoff strategy (avalanche, snowball, hybrid)

Automation and safeguards

Auto-pay status and amount scheduled
Grace period or promotional rate expiration date
Late fee amount and penalty APR triggers
Notes on hardship options or payoff incentives

Weekly check-in rhythm

A short, repeatable routine keeps momentum high and exposes problems before they derail your payoff plan.

Every Monday

Update balances from each creditor portal
Log any extra payments or transfers
Flag accounts that crept within $200 of the credit limit

Mid-week touchpoint

Record variable interest charges that posted
Note progress toward your monthly payoff goal
Identify one expense to redirect toward debt this week

Friday wrap-up

Confirm payments cleared and post-dated items remain scheduled
Capture wins or blockers during your Sunday reset
Queue next week’s highest-impact action (refi, negotiation, extra payment)

How to use this with PYB UPDATES

Bring the updated tracker to Tuesday’s PYB UPDATES prompts so you can plug in partner offers, negotiation scripts, and extra payment ideas without starting from scratch. Reply to the email with your latest snapshot and our team may spotlight a tailored strategy in a future issue.

Get weekly updates

Get debt payoff check-ins and account tracking tips by email.

By subscribing you agree to receive emails from PayYerBills.