Credit Card Reality Check and Reflection Guide

If you’ve ever opened your wallet and wondered, “How did I end up with so many credit cards?” — this tool is your wake-up call. Banks thrive when you stay overwhelmed, juggling balances, and paying endless interest. This worksheet is designed to cut through the chaos and hand you back control.

✨ What’s Inside:

• A clean, easy-to-use tracker table to list every card, balance, interest rate, and minimum payment.
• An instant snapshot of your total debt and monthly payments — no more guessing.
• 5 reflection questions with lined space to answer, helping you connect the numbers to your real-life stress, goals, and next steps.
• A practical structure you can use again and again as your debt shrinks.

💡 Why You’ll Love It:

• Turns a pile of stress into a clear picture in just 10 minutes.
• Helps you spot the card that’s draining you the most so you know where to focus first.
• Keeps you accountable by pairing numbers with personal reflection.
• Works whether you’re a pen-and-paper person or love tracking digitally (Excel version also available!).

🔥 This isn’t another “budgeting template” you’ll forget about.
It’s a gut-check. It’s the moment you see the truth in black and white — and finally stop letting the system profit off your confusion.

👉 Want the backstory, insights, and a relatable kick in the pants? Pair this worksheet with my Substack article: “How many “emergency” cards does one person really need?” The article gives you the emotional and practical WHY, and this worksheet gives you the HOW.