Frozen Pennies
The First $10k Payoff Plan
The First $10k Payoff Plan
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Turn a Big Debt Number Into a Plan You Can Actually Follow
If you're staring at $10,000, $20,000, $50,000 or more in debt and have no idea how you're actually going to pay it off, start with the first $10,000.
The First $10K Debt Payoff Plan is a step-by-step workbook that helps you turn an overwhelming debt balance into a specific payoff target, timeline, and plan.
Instead of simply telling you to “pay extra toward debt,” it helps you figure out how much you need each month and where that money can actually come from.
With The First $10K Debt Payoff Plan, you'll:
- Choose your first $10,000 payoff target and decide which debts you're tackling first
- Set a realistic timeline and calculate how much you need to put toward debt each month
- Find extra money in your current budget without cutting everything you enjoy
- Identify additional payoff money from extra income, windfalls, selling unused items, and other sources
- Build your personal $10,000 Money Map so you can see how the numbers come together
- Break $10,000 into smaller milestones with 90-day, weekly, and $1,000 goals
- Track your progress and adjust your plan when unexpected expenses or real life get in the way
Why start now?
Because another month of minimum payments won't make your debt feel any less overwhelming.
You don't need to figure out how to pay off every dollar today. You need a target, a timeline, and a plan for where the money will come from.
Start now, choose your first $10,000 target, and make your next debt payment part of a plan that's actually moving you forward.
IMPORTANT: THIS IS A DIGITAL PRODUCT ONLY. NO PHYSICAL COPY WILL BE SHIPPED.
Your purchase includes a downloadable digital workbook that you can use on your device or print at home for personal use.

Frequently Asked Questions
How does this work?
Step 1. You’ll add this product to your cart and once you are done shopping you’ll check out.
Step 2. As soon as your purchase is complete, you’ll receive access to your product.
Step 3. This is so easy to use that you can start getting organized and saving money today.
This purchase is for digital products only – no physical copy will be shipped.
What is your refund policy?
Due to the nature of digital files, I cannot offer refunds or exchanges. If you have any issues accessing or using your purchase, please don’t hesitate to reach out via our contact page here, and we will be more than happy to help you out!
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