Creative Visual Ways To Pay Off Debt & Make It Fun!

Unique Debt Payoff Visuals That Make Paying Off Debt Exciting

If paying off debt is one of your goals, then use these seven creative ways to pay off debt using visuals. Visuals offer additional motivation on your debt payoff journey.

Visualize a future free from debt. You’d be free of stress wondering how you’re going to make this month’s payments. You can pay for vacations, and enjoy them, because you don’t have a looming credit card bill when you get back.

Using visual trackers makes it easier to stay focused on those days when all you want to do is quit.

“In absence of clearly defined goals, we become strangely loyal to performing daily acts of trivia.

Author Unknown

Don’t become complacent and content with debt. By figuring out what’s truly important in your life, you’ll set out on a course of focus instead of doing daily tasks that don’t matter in the long run.

You don’t want to look up 5 years from now and realize you’re in the same financial predicament you are right now.

The following debt payoff visuals will make paying off debt fun and active for the entire family. Teaching your kids how to live a debt-free life will show them how to have a healthy relationship with money.

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1. Debt-Free Charts

Debt charts are perfect for visualizing your goals.  When placed in a prominent location, such as the side of your fridge, you’ll be reminded of your debt payoff goal frequently. 

Debt-free printables can be customized depending on which type of debt you’re paying off. They can even be used for savings funds and sinking funds.

Check out the debt-free charts you can print off from home right now.

customized free diy savings and debt free charts using Canva

2. Savings Jars

Savings jars are perfect for sinking funds.  If you know of an upcoming expense, then putting a set amount of money towards each fund monthly will make sure you don’t get into more debt. 

If you’re still in debt, savings jars shouldn’t be used to save for vacations since all “fun money” is better spent paying off debt. They’re perfect for Christmas present funds since that expense comes around yearly.  

Once out of debt, making special money jars with savings for vacations is a fun way to get children involved. 

Prefer a savings jar you can color? This savings jar coloring worksheet is great for kids and adults.

This Disney-inspired jar is great for collecting pocket change or allowance that will cover additional expenses in the park.  Children can allot some of their allowance to be used to purchase souvenirs.  

This glitter money jar is versatile enough to be reused as an adventure fund jar.  Once one adventure is over, reuse this money jar to save for the next!

Better yet is that you probably have everything you need in your home already to create this jar.  You can use these jars for your own family savings jar challenge with each family member.

DIY mason jars with pink glitter money jar
Photo Credit: Lucky Mojito

3. Paper Chains/ Paper Clip Chains

This is another easy debt payoff visual that you can make in under 5 minutes. 

If using to pay off debt, decide what value each paper clip or loop of the paper chain represents.  This will determine how many links long your chain needs to be.

4. Jar With Rocks Or Marbles

Another easy visual that is child-friendly!  You can use a glass vase or jar and either rocks, marbles, or decorative stones. 

Have two jars: one labeled DEBT and one PAID DEBT. Decide what monetary value each stone represents and remove it from the debt jar to the paid debt jar when you pay down a debt. 

colorful marbles in glass jar on white table

5. Debt Payoff Thermometer

A debt payoff thermometer can be drawn on paper or chalkboard.  If you have a wall with chalkboard paint, this would be a standout way to stay focused.  As you pay down debt, you’ll fill in more of the debt thermometer.

You can grab a debt thermometer printable here.

debt thermometer printables

6. Sticky Note Wall

Label a bunch of sticky notes with varying amounts of money.  If you add all the dollar amounts written on the notes, it should equal the total amount of your debt. 

Post the notes on a wall or side of your fridge. Remove the note as you pay off the debt. A benefit of this debt payoff visual is that the dollar amounts vary. 

You can have a “win” and remove a sticky note if you saved $12 and another time if you saved $30. It offers more variety and you can make smaller wins to snowball your motivation.

colorful sticky notes on wall

7. Money Vision Board

A money vision board is more than just a debt payoff visual.  Your board is a financial freedom vision board since you’re looking towards your future goals as well as focusing on the current debt payoff goal. 

Your vision board should include debt free charts if that’s how you’re tracking your debt payoff but also include other visuals that motivate you.

It could be a picture of your family, an ad from a tropical location you hope to visit once out of debt, or a motivational quote.  This is a more encompassing visual motivator that combines a few of the previous visuals.

vision board example with cork board
Photo Credit: Confessions Of An Overworked Mom

8. Bullet Journal Page

Bullet journals are becoming more and more popular by the day. One of the reasons is due to their extreme customizability.

Bullet journals are blank pages with small equally spaced dots. This allows you to make grids, lines, and pretty much anything, using the dots as a guide.

One of my favorite visuals comes from Little Coffee Fox. They created this bullet journal page as a way to save for a vacation but it can just as easily be used to pay off debt.

Bullet journal vacation savings goal debt payoff from Little Coffee
Photo Credit: Little Coffee Fox

Debt Payoff Visuals Overview

Using debt-free payoff charts and creative visuals will catapult you on your debt-free journey. Having clear goals and constant visual reminders is the perfect way to stay focused.

Some of the best perks are that these visuals are mainly free or inexpensive and can involve the entire family. Your children will be excited to help you color in the next segment or remind you that something isn’t in the budget.

Let me know in the comments how you stay motivated paying down debt and if you’ve tried any of these visuals.

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Want somewhere to track your money across all accounts?  Grab this free financial dashboard to track your savings, retirement, net worth, and more!

Steffa Mantilla round headshot
Steffa Mantilla

Certified Financial Education Instructor

Steffa is a Certified Financial Education Instructor (CFEI) and the founder behind Money Tamer. Her 12-year background in operant conditioning and positive behavioral change training is used to help people find effective motivators to change their harmful money behaviors. Steffa explains the reasons “why” behind people’s financial behaviors and how to successfully change them. After paying off over $80,000 in debt through budgeting, she now teaches families how to get their own finances in order. You can learn more about her here.

Creative Ways To Get Out Of Debt Using Debt Payoff Visuals

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