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.
Specification
- 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
- Ruling pitch
- 9.17 mm · 26.00 pt
- Rows per page
- 18
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.
The film
Page by page
A vertical film from our own bench — this page contacts nobody's server to play it, and downloads nothing until you press play.
Real pages
Made at the Hibrkraft bindery, Bogor · about the maker
Books that sit alongside it
- Asset and Maintenance PlannerWorks alongsideshares planning
- Cash Flow PlannerWorks alongsideshares planning
- Farm Season PlannerWorks alongsideshares planning
- Garden Plot PlannerWorks alongsideshares planning
- Grant and Proposal PlannerWorks alongsideshares planning
- Habit Cycle PlannerWorks alongsideshares planning
- Manuscript PlannerWorks alongsideshares planning
- Meal and Market PlannerWorks alongsideshares planning
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.
