Practical Debt Repayment Trackers

Understanding Debt Tracking

Managing your debt can often feel overwhelming. I definitely find it challenging to keep track of my financial obligations at times, which stresses me out a great deal. A bullet journal (BUJO) debt tracker is a great tool that can help you “visualize” your debt and give you a thorough understanding of exactly where your money is going. By using a debt tracker, you can keep tabs on your payments but also see your progress over time.

Why Use a Debt Tracker?

One of the biggest benefits of using a debt tracker is that it gives you both clarity and accountability. With all your debts written down in one place, you can identify which items need priority (i.e. high-interest, rent-to-own loans, etc.) Seeing your debts laid bare out can help motivate you to create a plan to pay them off more efficiently. Monitoring your debts regularly can also prevent you from falling behind on your payments, keeping your credit score intact.

I’ve found several different debt tracker layouts for your BUJO or planner, and have assembled them here.