Stop managing debt.
Start ending it.
The Debt Freedom Workbook gives you the exact system I walk through with men in my church — a step-by-step Canadian debt payoff plan with real math, a giving commitment, and a clear first move.
6 worksheets. Printable or digital. Built for the Canadian context. Free.
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Download the Workbook (PDF)What's inside the workbook
Six worksheets that walk you from denial to clarity to a plan you'll actually follow.
Every debt on one page — lender, balance, rate, minimum payment. Most men have never seen it all at once. This step alone changes things.
Side-by-side comparison using your actual balances and rates. See which method gets you out of debt faster and which costs less. Neither answer is wrong — the right one is the one you'll follow.
Assets minus liabilities, filled in honestly. You need this number before you can track progress. Harder to look at than you expect. More encouraging than you think.
Plug in your extra monthly payment and see the actual month and year you become debt-free. This number is more motivating than any spreadsheet formula.
What to do with your tithe while paying off debt. A framework for thinking it through — not a rule, but a guide for a decision most Christian budgeting books skip entirely.
One page. One number. One move. The step most men skip — and the reason most debt payoff plans die in month two.
Why is this free?
I made this for the men I sit with in premarital counselling and pastoral conversations — men who are embarrassed about their debt and not sure where to start. Charging $7 for something that belongs in as many hands as possible felt wrong. So it's free. If it helps you, I'd love to stay in touch through the weekly newsletter. If not, download it and go get out of debt. Either way, that's the win.
What you'll get in the weekly newsletter
Weekly biblical finance articles — written for Canadian Christian men
RRSP vs TFSA decisions, tithing questions, debt payoff frameworks, investing basics, and the marriage conversations money creates. One email a week. Written from inside a church community, for men who want their finances to match their faith. No American advice with a maple leaf slapped on it.
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