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A5 Debt Payoff Planner standing closed, true-black band cover with an ornate royal motif reversed out in white, about three and a half millimetres thick.

Plain Lab · planner

Debt Payoff Planner

Twenty-four pages to write down what is owed, twelve ruled pages for the working-out, and twelve more for looking back at what actually moved.

Price

from Rp 56.000

Softcover, French link sewing. Printed and sewn to order.

Ships in 6–14 business days · 7-day returns

4.9 from 85 buyer reviews of Hibrkraft

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Every cover and binding option is quoted when you order.

Specification

Type
Planner
Trim
148 × 210 mm · 5.827 × 8.268 in
Pages
60
Leaves
30
Sheets
15
Signatures
3 × 20pp
Spine
3.43 mm
Paper
white
Ruling
lined
Rows per page
18
Dating
Undated

Build it

Rp 56,000

Each debt gets a page: who it is owed to, what the balance was when you started writing, and a place to log it down over time. Nothing on the page calculates anything. A number goes in, and later a smaller number goes in below it, and the page becomes evidence of what happened rather than a forecast of what will.

Twelve ruled pages sit behind the debt pages for the working-out that will not fit in one line: a call with a lender, a fee that appeared without explanation, a decision about which one to pay first. Twelve more, set apart, are for reading the numbers back once a stretch of entries has built up.

The book gives no financial advice. It assumes no interest rate, because that figure is set by the lender and printed wrong once is printed wrong for the life of the book. It recommends no order for paying anything off. Those are decisions for you and, if the amount warrants it, an adviser who can see the whole picture rather than one ruled page of it.

What is inside

Debt log
24pp
One page per debt, for a balance you update rather than a projection you trust.
Notes
12pp
The calls, fees and decisions that do not reduce to a single figure.
Reflection
12pp
A separate page for reading a stretch of entries back, apart from the page where they were written.
Reference
12pp
Owner details, unit conversions computed from definitions, and emergency numbers checked against two sources.

In every book

The same six pages open every book: your details, who to call, the signs to point at when you have no shared language, and the map. They sit at the front because the moment you need them is not the moment to be flicking through.

This book belongs to
One page for your name and number, so a book that goes missing can come back.
My details
Blood group, allergies, who to call. Written once, carried everywhere.
Emergency numbers
Forty countries, taken from Wikidata property P2852 (CC0), agreed across two sources, every row carrying its QID. Numbers change and a book does not — verify locally on arrival.
Point at this
A pictogram grid captioned in English above and Indonesian below, for when there is no shared language.
World map
Natural Earth 110m, public domain, equirectangular, with UTC hour meridians computed from the projection rather than from a timezone database. For orientation and for pointing at, not a navigation chart.
Conversion tables
Computed from definitions — 25.4 mm to the inch — and not copied from anywhere, so every row can be checked by anyone holding the book.
Pen test leaf
The last page, printed for it on purpose. Every notebook is used this way; printing it deliberately is cheaper than losing the last leaf to it by accident.

The film

Page by page

A vertical film, 52 seconds: the cover, the ruling page, then 5 reference pages. Synthesised ambient bed, no dialogue — captions in three languages.

A vertical film from our own bench — this page contacts nobody's server to play it, and downloads nothing until you press play.

What is inside this book?

Five pages from the Debt Payoff Planner laid out as cards: a debt-log page, a section divider, a lined notes page, a reflection page, and a reference table page.
Five pages taken from the print file: a debt-log page, a section divider, a lined notes page, a reflection page, and a page from the reference block. The debt page is a record, not a calculator: a balance you update by hand, so the page shows what happened rather than what an assumption said should happen.
Specification card listing the Debt Payoff Planner contents: 24 debt-log pages, 12 notes pages, 12 reflection pages, 60 pages total, A5 trim, three signatures of twenty.
24 debt-log pages, 12 lined notes pages at 9.17 mm, 12 reflection pages. Twelve pages of furniture: owner details, unit conversions computed from definitions, and emergency numbers checked against two sources. 60 pages total, A5, three sewn signatures of twenty.
Computed from definitions — 25.4 mm to the inch — and not copied from anywhere, so every row can be checked by anyone holding the book. — Debt Payoff Planner
Conversion tables
Forty countries, taken from Wikidata property P2852 (CC0), agreed across two sources, every row carrying its QID. Numbers change and a book does not — verify locally on arrival. — Debt Payoff Planner
Emergency numbers
One page for your name and number, so a book that goes missing can come back. — Debt Payoff Planner
This book belongs to
A pictogram grid captioned in English above and Indonesian below, for when there is no shared language. — Debt Payoff Planner
Point at this
Natural Earth 110m, public domain, equirectangular, with UTC hour meridians computed from the projection rather than from a timezone database. For orientation and for pointing at, not a navigation chart. — Debt Payoff Planner
World map

The PDF of this book.

We do not sell the design or the PDF. Download it free, with no conditions at all, not even tracking. What we sell is the book, a real object that is genuinely useful and can help your life.

Download PDF PDF · 60 pages · 0.3 MB

Made at the Hibrkraft bindery, Bogor · about the maker

Books that sit alongside it

Questions

What goes on a debt page?

Who the debt is owed to, the balance when you started, and room to log it down as it changes.

How big is it?

A5, 148 x 210 mm, 60 pages, 3.43 mm across the spine.

Is it dated?

No. It starts on whichever page you open first, and a slow month does not leave a dated page unused.

Does it give financial advice?

No. It sets no interest rate, recommends no order for paying debts off, and offers no opinion beyond the space to record your own figures.

What are the reflection pages for?

Reading a stretch of entries back, kept apart from the page where the numbers themselves are written.

The final ends and consummations of actions are nothing at all to a man's nature.
Marcus Aurelius, Meditations, c. 175

Price

from Rp 56.000

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Track Record

  • 15 Years of Work
  • 100,000+ Products Made
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Awards
UDUNAN 2020 Winner · Ekraf Jabar · Mitra Jabar
The Hibrkraft team outside the workshop in Bogor
The Hibrkraft team, Bogor
Download the Hibrkraft Company Profile PDF · 31 pages · 5,6 MB · 2026-09-22

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