Money stress and debt shame weighing on you? This free worksheet helps you pay down debt in a way that’s guided by your values, not fear.

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Money stress has a way of becoming all-consuming, epecially with debt — and shame makes it heavier, turning a numbers problem into a verdict on your worth. Paying it down is easier to sustain when it’s connected to something you actually care about, not just fear.

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This free worksheet helps you use your own values to guide money decisions, so paying off debt feels clearer and more meaningful instead of purely punishing. It won’t hand you a budget — it helps you find the “why” that keeps you going.

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• Naming the values you want your money to serve
• Connecting paying down debt to what you actually care about
• Reframing one fear-based money thought into something workable
• Choosing small, values-aligned steps that don’t overwhelm

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Debt is a circumstance, not a character flaw — small values-aligned steps count, even when no one’s watching.