Family Debt Payoff Challenge Kit

One person cannot out-budget a whole household. The plan dies in the small moments — a takeaway here, a “just this once” there — because only one person in the house is playing. This kit makes everybody a player: no-spend days and extra payments earn points, the Scoreboard keeps the bragging rights accurate, one family challenge runs every month, and the shared debt list shows the whole pile shrinking toward one date the entire family can see.

What it does for you:
– Family Scoreboard — a row per person (adults, teens, kids): no-spend days and extra dollars paid turn into Points by YOUR rules (samples: 2 points per no-spend day, 1 per $10 extra), with Rank and Share of Points calculated. In the samples the family banks 54 no-spend days, $390 extra and 147 points — and the top scorer wins by one point.
– Monthly Challenges — one agreed challenge per month (no-spend totals, an extra-payment sprint, a pantry challenge): set the Target, log Achieved, and Result flips to HIT or MISSED by itself. No arguments, the sheet was there.
– Shared Debt List — every household debt in the open: Remaining, Months Left, Payoff Date and % Paid per debt, with totals and the FAMILY DEBT-FREE DATE at the bottom (1 May 2030 in the samples, on $19,310 remaining).
– Dashboard — family points, the top scorer by name, challenges hit, total remaining and progress at a glance.
– Expense Log & Monthly Budget — a zero-based budget with Debt Payments and Kids & Family categories, so the game is funded by the plan, not instead of it.
– Sample rows pre-filled (4 players, 3 challenges, 5 debts) so every formula works the moment you open it; formula cells are locked (password disclosed in Start Here) and every formula is error-wrapped. Points rules are yours to set at a family meeting — a planning and tracking tool, not financial advice.

What’s inside (.xlsx, works in Excel AND Google Sheets): Start Here · Family Scoreboard (points + monthly challenges) · Shared Debt List · Expense Log · Monthly Budget (zero-based) · Dashboard · Monthly Summary (12 months).

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