One-Month Debt Payoff Worksheet: Wealthy Babe Edition

You’ve got goals: building wealth, stacking savings, living soft, and yes paying off debt like the wealthy babe you are. But what if I told you that you could knock out one specific debt in just one month without sacrificing your peace, your skincare budget, or your long-term vision?

This post is your guide to doing exactly that.

Whether it’s a lingering credit card balance, a personal loan, or that one random charge that’s been haunting your bank app you can absolutely knock it out this month while still saving and staying on track with your other goals.

Here’s how to do it with intention, energy, and your wealthy babe mindset fully activated.

Step 1: Pick the Debt You're Ready to Eliminate

Start small and strategic. This could be:

  • A credit card with under $1,000 left

  • A “buy now, pay later” balance

  • A personal loan with high interest

Ask yourself: What balance would feel like a major win to clear right now?

Step 2: Set a Realistic But Bold Goal

If you want to pay off $800 this month, break it down:

  • $800 ÷ 4 weeks = $200/week
    That’s your Weekly Wealthy Babe Payoff Goal.

Bonus tip: Use your “overflow” (unexpected income, side hustle money, tax refunds, etc.) to boost your weekly progress.

Step 3: Review Your Cash Flow (Without Guilt)

Open up your bank statements and answer:

  • What can I temporarily pause this month?

  • What subscriptions aren’t serving me?

  • Can I repurpose my “fun” budget to support my “freedom” budget?

Reminder: Cutting back for one month isn’t punishment. It’s power. You’re choosing short-term discipline for long-term joy.

Step 4: Automate Your Progress

Set up weekly automatic transfers toward the debt. Whether that’s through your bank or the creditor’s portal—schedule it. Don’t rely on vibes. Rely on systems.

Step 5: Still Save Something. Always.

Even if it’s just $10/week. This isn’t all-or-nothing. We’re building habits, not hustling ourselves into burnout.

Suggested ratio for the month:

  • 80% = Targeted debt payoff

  • 10% = Savings

  • 10% = Flex/fun/misc

Step 6: Track & Celebrate Progress

Track every payment. Watch that number shrink. Celebrate each milestone, even the small ones.

You’re not just paying off debt. You’re reclaiming your time, your energy, and your future. And that is wealthy behavior.

P.S - You can prioritize debt without sacrificing your goals. You’re not behind. You’re building. And every payment is proof that you take your financial freedom seriously.

Tag me @theageedit if you use this workflow or want to share your “debt slayed” moment. I’m cheering for you always. ✨

adriana cicero