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hello my name is Laura flick Im the owner of you are loved templates I create spreadsheet templates for productivity and overall lifestyle and Ill be showing you how to use my debt payoff calculator and trackers today I know debt can be very overwhelming and I I made the spreadsheet for myself and I hope it helps some of you I think having it all in one place made me feel a little bit better and I knew the progress it wasnt just up in the air and I wouldnt just ignore looking at my credit card bills its good to know where youre at and finally make a plan to pay off those debts obviously Im not a financial advisor but this helped me when you first get the template youll see this instructions page its everything written out so you can come back and reference it and then once youre done with this page you can just go to here and delete or just hide the sheet one thing I want to mention is to not edit any cells below the blue cells here because it may mess up the functionality of