★★★★A buyer
Straightforward and clear. Would suit anyone with a few hundred to a couple of thousand to clear — probably too simple if your situation is more complicated than that, which the page does say.
The Ninety-Day January Reset
It earns its place when the amount is a few hundred to a few thousand, it is spread across two to eight places, and what is missing is a date rather than an intention.
$9
- Excel and Google Sheets both open it — .xlsx included
- Nothing to install, nothing to subscribe to
- Opens on your phone
- Instant download after payment
- 14-day refund, no questions
Put in what December cost across every card, overdraft and payment plan, say what you can put at it each week, and it gives you the day it is gone — and the date each individual debt clears on the way there.
December arrives on a statement in the second week of January
Not in one place, either. A card, a store card opened at a till in November, an overdraft that has been there so long it stopped feeling like borrowing, and something on a payment plan. Four rates, four minimums, and no single number anywhere. So the usual answer is to pay something at it each month and hope. That works, in the sense that it eventually ends — about twenty-three months later, having cost five hundred dollars more than it needed to, and having been carried past the next Christmas on the way. The missing thing was never discipline. It was a finish line you could actually see.
Three numbers, and only one of them matters
Thirteen weeks worked out properly, week by week, with the interest landing where it really lands. At the end of it is a day. That day is the product. The identical debt paid at the minimums instead. Months, interest, and the total handed over. Put side by side, the weekly amount stops feeling like a sacrifice. Avalanche clears the dearest rate first, snowball the smallest balance. One dropdown, and every clear-by date rearranges itself so you can see both.
Every debt gets its own date, not just the pile
The overdraft goes on the eleventh of January. The store card on the first of February. The credit card on the fifteenth of March. Four separate finish lines instead of one distant one, which is the difference between a plan that survives February and one that does not. Change the weekly amount and every date moves together. Switch from avalanche to snowball and they rearrange. Have a lean week and put the real number in the yellow column — the balance carries, the interest still lands, and the date moves out honestly rather than quietly. And if ninety days is not enough, it says so plainly and tells you what a week would have to be for it to work.
What's inside
- Start Here
- The order to do things in, how the interest is worked out, and one honest paragraph about what happens if ninety days is not enough.
- Setup
- The week you start, what you can put at it each week, avalanche or snowball, and what a little more each week would be.
- What You Owe
- Up to 8 balances with their rates and minimums. The order each gets cleared in, and the date each one goes.
- The 90 Days
- Thirteen weeks: planned, paid, interest, and what is left. One yellow column to override a single week, and a shadow plan with your extra amount running alongside.
- The Reset
- The two futures side by side, what each debt clears on, and what finding more each week buys you. Prints on one page for the fridge.
How it works
- 1PayCard only. No account, no password, no address. Two fields and a payment box.
- 2DownloadThe link appears on screen straight away and lands in your inbox at the same time. It does not expire.
- 3Open itDouble-click for Excel, or File → Import → Replace spreadsheet for Google Sheets. Every formula carries over.
Specifications
- Formats
- Excel (.xlsx), Google Sheets (.xlsx) and a printable PDF guide
- Tabs
- 5
- Works in
- Excel, Google Sheets, Numbers, LibreOffice
- Opens on
- Desktop and phone
- Delivery
- Instant download, plus an emailed link that does not expire
Who this is not for
If you are behind on rent, in arrears, or being chased, this is the wrong thing to buy. Free money advice services exist, they are better than any spreadsheet, and they can do things with your creditors that a file on your laptop cannot. Please use them first.
It uses one blended rate rather than running four separate balances — accurate to within a couple of dollars over ninety days, and readable on one page, but it is a plan rather than a statement. And the minimums comparison assumes today's minimum every month, which is the kind version of the truth.
It earns its place when the amount is a few hundred to a few thousand, it is spread across two to eight places, and what is missing is a date rather than an intention.
Before you buy
Do I need to pay for Google Sheets?
No. Google Sheets is free with any Google account. If you would rather use Excel, that file is in the same download.
Does it connect to my bank?
No, and it never will. You type four numbers per debt. Nothing here asks for a login, a card number, or a single thing we would then have to look after.
Ninety days is not enough for mine.
Then the date says so rather than pretending, and the sheet tells you what a week would have to be for ninety days to work. If that is not a real number, use it as a four or five month plan. A longer plan you keep beats a shorter one you abandon in week five.
Avalanche or snowball?
Avalanche costs less. Snowball feels better sooner. Over thirteen weeks the difference in money is usually small enough that the one you will actually stick to is the right answer. Switch the dropdown and look at both.
Should I include an interest-free payment plan?
Yes. It carries no interest but it takes money out every month, and leaving it out makes every date on the sheet wrong. Put the rate in as 0%.
What if I miss a week?
Put 0 in the yellow column for that week. The balance carries, the interest still lands, and the date moves out. That is more useful than starting the plan again.
What if it does not work for me?
Email us within 14 days and we refund it. You keep the file. We would rather have the feedback than the nine dollars.
Reviews
★★★★★Mike R.
Not a budgeting app, and I am glad. You type what you paid and it shows the payoff date moving. That is the whole thing and it is enough.
★★★★★Carla
Christmas on three cards, which I had been carefully not adding up. Putting them in one place was grim for about ten minutes and then genuinely useful. Ninety days is short enough that I can see the end of it.
All ten holiday planners — $39
The gift budget, the Thanksgiving timeline, the blended-family gift tracker, the remote Secret Santa kit, the cookie swap planner, the two-families travel budget, the fifty-card Christmas list, the mixed-diet menu planner, the toddler activity calendar, and the ninety-day January debt reset. Bought separately they are $90.
Get all ten — $39
