Digital bundle · Instant download
Debt Freedom + Emergency Fund Bundle
One spreadsheet that ranks which debt to pay off first and right-sizes your emergency fund from your real expenses — not a generic rule of thumb. Built for people who want a clear, one-time plan they fully control, without a monthly app subscription.
- Works in Excel or Google Sheets
- Snowball or Avalanche payoff ranking
- Instant digital download
One-time purchase
- Debt Payoff Tracker — Snowball or Avalanche, auto-ranked
- Emergency Fund Builder — target built from your real expenses
- One-page Dashboard pulling both plans together
- 12-Month Check-In Log for accountability
Secure checkout via Stripe. Delivered instantly after purchase.
What's inside
Five tabs. One workbook. Both plans.
Enter your numbers once — the sheet ranks your payoff order and tracks your emergency fund goal automatically.
- Start Here — how to use it, plus a cell-color legend
- Debt Payoff Tracker — Snowball or Avalanche, ranked automatically
- Emergency Fund Builder — target from real monthly expenses
- Dashboard — total debt, weighted APR, both target dates at a glance
- Monthly Check-In Log — a 12-month accountability log
Do I need Excel?
No — it opens free in Google Sheets, or in Excel if you already have it.
Is this financial advice?
No. It's an educational planning tool. It does not tell you what to do with your specific money and does not guarantee any outcome. For advice specific to your situation, talk to a licensed professional.
What if I have more than 10 debts?
Duplicate a row and copy the formulas down — full instructions are in the Start Here tab.
How do I get it after I buy?
Checkout is handled securely by Stripe. Once payment goes through, you're redirected to a confirmation page with an instant download link — no waiting, no separate email required (though a receipt will land in your inbox from Stripe).
What's your refund policy?
All sales are final. Because the bundle is a digital download, we can't offer refunds once your download link has been issued. If you're charged twice or your download doesn't work, email us at normardigital@gmail.com and we'll make it right.
Not ready to buy yet?
Start with the free resources first.
The Family Protection Checklist and the 7-Day Cash Flow Reset are both free and cover real ground on their own.