December 2, 2023

Debt Thermometer Printable: A Tool to Help You Get Out of Debt

Debt is a common problem for many individuals and families. Whether it’s credit card debt, student loans, or medical bills, being in debt can be stressful and overwhelming. However, with the right tools and strategies, it is possible to get out of debt and achieve financial freedom.

One such tool is the debt thermometer printable. This tool can help you visualize your debt and track your progress as you work towards paying it off. In this article, we will explore what a debt thermometer printable is and how to use it effectively.

What is a Debt Thermometer Printable?

A debt thermometer printable is a visual representation of your debt. It typically consists of a thermometer image with a series of lines or steps that represent different levels of debt. Each line or step is labeled with a dollar amount, starting with your total debt at the bottom and decreasing as you move up the thermometer.


The idea behind a debt thermometer printable is to color in the steps or lines as you pay off your debt. This allows you to see your progress in a tangible way and can be a source of motivation as you work towards becoming debt-free.

How to Create a Debt Thermometer Printable

Creating a debt thermometer printable is easy and can be done using a variety of tools. Here’s how to make one:

  1. Choose a template: There are many free templates available online that you can use as a starting point. Look for one that includes a thermometer image and lines or steps that you can fill in as you pay off your debt.

  2. Customize the template: Once you’ve found a template you like, customize it to fit your needs. This may involve changing the dollar amounts on each line or step, adding your own logo or branding, or changing the colors to match your preferences.

  3. Print the template: Once you’ve customized your template, print it out on a piece of high-quality paper. You may want to laminate it to ensure it lasts a long time.

How to Use a Debt Thermometer Printable

Using a debt thermometer printable is simple. Here’s how to get started:

  1. Write down your total debt: Start at the bottom of the thermometer and write down your total debt. This will be the starting point for tracking your progress.

  2. Color in the first step or line: Look at the first step or line above your total debt and color it in. This represents the amount of debt you need to pay off before you can move on to the next step.

  3. Make a plan: Develop a plan for paying off your debt. This may involve creating a budget, cutting expenses, or increasing your income. The goal is to pay off as much debt as possible each month so you can color in another step or line on the thermometer.

  4. Track your progress: As you pay off your debt, color in the next step or line on the thermometer. This will allow you to see your progress and stay motivated along the way.

  5. Celebrate your victories: When you reach a major milestone, take time to celebrate your victory. This could involve treating yourself to a nice dinner or simply taking a moment to reflect on your progress.

Tips for Using a Debt Thermometer Printable

Here are some additional tips to help you use a debt thermometer printable effectively:

  • Set realistic goals: Be realistic about how much debt you can pay off each month. Set small, achievable goals that will help you stay motivated and on track.

  • Be consistent: Update your debt thermometer regularly and color in the lines or steps as soon as you make a payment. This will help you see your progress in real-time and stay motivated.

  • Don’t get discouraged: Getting out of debt takes time and effort. Don’t get discouraged if you experience setbacks along the way. Remember that every payment you make brings you one step closer to your goal.

  • Use it in conjunction with other tools: A debt thermometer printable is just one tool in your arsenal. Use it in conjunction with other tools such as a budget planner or debt payoff calculator to help you achieve your goals.


A debt thermometer printable is a simple yet powerful tool for anyone looking to get out of debt. By visualizing your progress and tracking your payments, you can stay motivated and on track towards becoming debt-free. Whether you use a free template or create your own, a debt thermometer printable is a valuable addition to any debt-reduction strategy.

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