Take control of your finances with the OACALIFE Debt Tracker Spreadsheet, built exclusively for Google Sheets. Whether you’re working to pay off credit card debt, student loans, or personal loans, this tool helps you stay organised and motivated using both the Debt Snowball and Debt Avalanche methods.

✅ Features

• 📊 Built-in Debt Snowball & Avalanche Calculators

• 💳 Track credit cards, loans, interest, and payments

• 📆 Monitor due dates and outstanding balances

• 🔁 Automatic calculations and visual progress tracking

• 🧾 Beginner-friendly, clean, and minimal design

• 📥 Instant Google Sheets access – no Excel needed

📦 What’s Included

• PDF with a link to your Google Sheets Debt Tracker

• Step-by-step instructions are included within the sheet

• Pre-filled sample data to guide your setup

💻 How It Works

1. Purchase the product

2. Download the PDF containing your access link

3. Open the spreadsheet in your Google Sheets account

4. Follow the built-in instructions and start managing your debt

⚠️ Important Notes

• This is a digital product — no physical item will be shipped

• Google Sheets only – not compatible with Excel, Numbers, or other software

• Some cells are protected to preserve formulas – only edit white/unlocked areas

• For personal use only – not for resale or distribution

• This template is for informational purposes only, not professional financial advice