PLEASE as the year goes on, add the paid dates on your original debt confession work sheet. Then, when you do a year end (after Dec '24 payments) or a 1 year (@Feb '25) begin with the 1st debt confession sheet from Feb '24. If it were me at the end of this first year, I would create 2 seperate work sheets. The first work sheet dedicated to the debt fully paid off. If the @$128k student loan payment doesnt completely kick your budget to rice and beans 7 days a week, i expect to see a number of debts completely paid off during the 2024 because you have a number of smaller debts. The second work sheet with only the remaining active debt accounts at the time the work sheet is created. I happen to like the format of the sheet you selected for your first debt confession to be used as an annual debt summary of the debt going foreward. With its paid column, it enables a quick and easy update during the year too; simply write the date paid off date in when it occurrs. I suspect that you will be able to pay off enough individual accounts in 2025 to count too.
Kudos I use a printable calendar and write down each paycheck when we are paid and then I write down when each bill is due. It lets me know when something is due no surprises. You are doing great
It is VERY common for the types of "inaccuracies" you found when writing the first debt confession. Off camera, go back to the sheet in this video to add comments documenting the oddities in the numbers such as "1st bal after Feb pymnt".
